Zenmoney: expense tracker

Zenmoney OU

In-app purchases

About this app

Zenmoney is more than just an expense tracker. It’s your personal finance assistant and smart money analyst. It helps you see the full picture, brings clarity to your financial life, and supports your long-term well-being.

Rely on accurate data. When everything is transparent, you can make calm and confident decisions, focused on your real goals and priorities.

Track spending and income automatically
Zenmoney connects all your bank accounts and cards in one place, supporting over 3,300 banks worldwide. It automatically imports and categorises transactions across cards, cash, investments, savings, and even crypto accounts. There’s no need for manual entry — you get a clear, complete picture of your finances at a glance.

You can also customise categories to match your personal needs and enjoy a detailed overview of your spending and income without any routine.

Analyse your spending and understand your habits
Zenmoney helps you see where your money goes each month and compare your spending across different periods. It highlights trends: which categories are growing, which are shrinking, and what impacts your overall budget the most.

You also get a clear balance of income vs expenses, so you can easily spot if your spending starts to outpace your earnings.

The app tracks your savings progress and shows how your reserves change over time — including how many months you could live without income, helping you build a stronger financial cushion.

Get personalised insights with a GPT-powered assistant
Zenmoney features a GPT-powered AI assistant that helps you understand your current financial situation, set goals, and create custom analytical charts — even those not included in standard reports.

It can also analyse and compare spending across categories, generate insights for custom time periods, find old transactions, and suggest expenses you might want to optimise. With this personalised support, you gain a deeper understanding of your finances and make more confident decisions.

Plan your budget and stay on top of future spending
With Zenmoney, you can plan your essential expenses or create a full monthly budget. Choose whichever works best for you. You can schedule future calendar payments or set spending limits for specific categories and goals, and the app calculates your overall budget automatically.

You’ll also see how much disposable income is left for spontaneous spending, and easily decide how much to put into virtual saving pots for each goal.

The AI forecasts future spending based on your habits and history and highlights regular payments, upcoming bills, and subscriptions. All of them appear in a simple bill calendar, helping you avoid late fees and stop paying for subscriptions you no longer use.

Bring Zen to your finances
Zenmoney helps you get a clear view of your finances, plan thoughtfully, and feel at ease with your money.

Instead of a traditional “home bookkeeping” approach, Zenmoney acts as your personal finance assistant. It remembers what matters to you, reminds you about upcoming payments, helps you understand spending patterns, and shows how much you can safely spend or save.

Ratings and reviews

Decent looking app, but you can't import from tons of popular banks in the US ( let alone any smaller ones) so I'd have to manually enter all of my transactions. Also asks for TONS of unnecessary permissions (location, SMS, others). It's a shame because I was really excited about the Ok-to-Spend feature because very few apps offer something like it!

I miss: - the ability to hide unnecessary blocks (for example, places, credit cards) - the ability to automatically change the exchange rate. I spent it in euros, but I want to see the expense in dinars. And vice versa. - hide future payments from the tape for a year, they only get in the way. - my bank is not connected, unfortunately, raiffeisen banka Srbija. Although he is on the list. - the ability to choose which SMS and in which currency to enter, and which ones not.

This app is just great! It has all the essential functionality out of the box. Except for the reports and budgeting (available in paid version). SMS parsing, automatically detecting transfers between cards from SMS, adapting to the amount of transaction and suggesting the category with similar amounts and many more! After buying the subscription, it became much better with all the reports and graphics available. Keep it up, Zenmoney team, you're awesome!

What’s new

Bug fixes and stability improvements for bank sync.

For ideas and questions, join our chat: https://t.me/zenmoneychat_en