Bill Payment Organizer: NEKO allows you to organize your bill payments, spending and income in a calendar with account balance forecast and bill reminders, so you stay on top of your finances. Bill Payment Organizer: NEKO comes with great features such as: Safe to Spend The safe to spend calculator will make your life easier when budgeting and avoid overspending. It takes into account your upcoming bills, expenses, credit card payments and transfers, and based on your current account balance a