Zarflo: Envelope Budgeting
Paycheck planner, receipt scan
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Zarflo is the envelope budget that runs on your payday. Rent, groceries, bills, fun… every expense has an envelope, and you always see how much you can safely spend today.
WHY ZARFLO?
• Safe to spend today: one number with bills, card installments and goals already taken out
• Cycle forecast: where this pace leaves you at the end of the period
• A budget cycle that follows your payday; leftovers roll over
• Scan receipts and bills: snap a photo and the amount, date and store fill in. The photo never leaves your phone
• Together: split costs on trips, with flatmates or for a birthday — equally, by shares or by amount — and see who owes whom. Your share goes straight into your own budget
• Credit cards and installments: see the months ahead before they hit
• Exchange rates and gold at a glance
• Cycle report: where your money went and what changed since last time
• Goals, streaks and bill reminders
• Edit a transaction, split it across envelopes, keep unlimited history
• Syncs across your devices; sign in with email, Apple or Google
PRIVACY
No ads, no ad tracking, no bank passwords. Your data is never sold.
ZARFLO PLUS
Budgeting itself is unlimited and free. Plus adds:
• AI receipt reading — 3 free readings a month, then fair use on Plus
• Detailed reports for cycles older than 92 days; 6- and 12-cycle trends and a Year view
• Smart alerts: an envelope hitting 80%, unusual spending, a balance dropping fast
• Subscription tracking: yearly cost, next charge and a price-rise flag
• Share the cycle report as a PDF
• Color themes, alternate app icons and a custom envelope color
Weekly, monthly and yearly plans, with a 7-day free trial on the yearly plan. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the period. Manage or cancel anytime in your App Store account settings.
Terms of Use: https://zarflo.app/en/terms
Privacy Policy: https://zarflo.app/en/privacy
Exchange rate and gold prices are for information only, not investment advice.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
• Buttons on the receipt scan and notification screens stay visible on small screens and with large text; the content now scrolls.
• The keyboard no longer covers fields when joining by invite, entering an email code or editing group settings.
• Better screen reader support: translated labels, spoken error messages and larger touch targets.
• Fixed uppercase labels showing a dotted İ when the phone is set to Turkish and the app to English.
• Minor fixes and improvements.
The developer, Veli KESGIN, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- User Content
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Veli KESGIN
- Size
- 69.7 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English and Turkish
- Age Rating
4+
- 4+
- Contains
User-Generated Content
- In-App Purchases
Yes
- Zarflo Plus Weekly $2.99
- Zarflo Plus Monthly $5.99
- Zarflo Plus Yearly $39.99
- Copyright
- © 2026 Veli Kesgin