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 AI-powered assistant
Zenmoney features an 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.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Still not able to use the app in English language, even though it's set as English.
Revamp is excellent
Haunted c
I had this app earlier and it didnt click with me then but I just downloaded it again 2 months ago and its revamp is excellent. The short nuggets that it gives like this month savings is higher etc. are really helpful plus the analytics through AI are insightful! Telegram bot as well gives good insights regularly. I am hoping this app will improve as lot of help sections are still non-english. After using 100s of apps i will surely recommend this one for expenses!
Apps is not showing in English
Aatish Bansod
Though I have setting defined English it shows other language in transaction
Useless
anshukjain
This app is useless as there is a language gap.Selected language is English but the language displayed is different and not English.
New section: “Best card to pay with”
Choose the card with the highest cashback before you pay. Upload this month’s cashback offers for your cards using a screenshot from your bank, find the brand you need, and Zenmoney will suggest which card is the best one to use.
For ideas and questions, join our chat: https://t.me/zenmoneychat_en
Version 26.3
The developer, Zenmoney OU, 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
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
Zenmoney OU
Size
235.6 MB
Category
Finance
Compatibility
Requires iOS 11.0 or later.
iPhone Requires iOS 11.0 or later.
iPod touch Requires iOS 11.0 or later.
Mac Requires macOS 12.0.0 or later and a Mac with Apple M1 chip or later.