Nesta - Your household and business money, run by Steward

Your household and business money, run by Steward.

Nesta keeps your books, your taxes, your cars and your investing in one place. Steward, the AI built into Nesta, works across all of it: it sorts the ledger, keeps your tax return current, shops for your next car and, if you opt in, trades on The Desk within limits you set.

Five areas of your money. One Steward across all of them.

Nesta is not a budgeting app with extras bolted on. Each area below is a working part of the product today, and Steward, the AI built into Nesta, can see and act in every one.

01 / Books

Money & books

Every account, personal and business, in one ledger that sorts itself.

Connect bank, card and loan accounts
Business and personal split by account, with your own marks on top
The Vault: receipts found in your email and matched to the charge, plus phone upload by QR code
Net worth across everything you own and owe

02 / Taxes

Tax Center

A 1040 that stays current all year, instead of a scramble every April.

A live 1040 that updates as your transactions land
Deduction triage: Steward flags the candidates, you confirm
Quarterly estimated payments
Send the whole picture to your CPA when it is time to file

03 / Cars

CarShop & Your vehicles

CarShop to buy one. Your vehicles to own one.

Tell Steward what you want in a sentence; it builds a board of candidates
Each one checked against the factory window sticker
Recalls, loan, equity and value for what you already own

How the cars side works

04 / The Desk

The Desk

Steward's trading desk, on your own Alpaca brokerage account. Opt-in.

Paper trading first: real markets, pretend money
Observer, Advisor or Autonomous: you set how much it does
8% drawdown kill-switch and an Emergency Stop

How The Desk works

05 / Workspaces

Workspaces

Guided rooms for the big money questions, with Steward in the room.

Budget, Goals, Home, Vacation, Investing
Retirement, Estate, Business, Tax
Add one from the catalogue when the question comes up

Both sides of your money, kept apart and added up

A business account counts as business on its own. Mark a personal-card charge as business and it shows on both tabs; un-mark a row and it goes back to Personal. Net worth adds up everything.

Illustration · sample figures

Personal

Net Worth $1.2M

Monthly Cash In $18,500

Investments $780K

Business

Revenue (YTD) $284K

Expenses (YTD) $76K

Tax Liability $28K

Your Combined Position

$1.98M

This Month's Growth

+$47,200 (↑3.2%)

Buy the right car. Then know what it is worth, every day you own it.

Nesta handles both halves: CarShop for buying one, and Your vehicles for the ones you already own: cars, trucks, motorcycles, boats and RVs.

CarShop

Tell Steward in one sentence what you want, or answer a short needs wizard. Steward builds a board of candidate vehicles and checks each one against its factory window sticker before you drive anywhere.

Compare matrix across every candidate on the board
Price history for each listing
Window-sticker verification from the VIN
Dealsheet capture: photograph the sheet the dealer slides across
Trade-in view for the car you are leaving behind
Deal room to work the offer through to a verdict
Shareable boards for someone without an account

Your vehicles

Add a vehicle by VIN, a boat by hull number, straight from a CarShop purchase, or from a connected auto loan. Nesta then keeps one card per vehicle current.

Loan: balance, APR and payoff
Equity: what you owe against what it is worth
Value as a trade-in, an instant offer and a private sale, with history
Health: open recalls with their remedy, insurance renewals, and an alarm when the mileage goes stale
Odometer log and documents, and the option to connect the car itself via Smartcar

Steward's trading desk, with the limits written down first.

The Desk is where Steward trades on your own Alpaca brokerage account. It is opt-in, it starts on paper, and you decide how much it is allowed to do.

Paper first

Real markets, real prices, pretend money. Live trading only after you sign the risk agreement.

Three levels

Observer analyzes and recommends; you execute. Advisor drafts trades for your approval. Autonomous executes within your guardrails and tells you after.

Guardrails

A never-sell list Steward will not touch, even at Autonomous. An 8% drawdown kill-switch. An Emergency Stop.

Trading can lose money, including all of it. Paper first. Read the risk disclosure