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/
I’ve been using the app for a couple of years now, and I’m very happy that I got lifelong premium. Even though the app crashes at times when I try to edit budgets or change the dates, even though for some banks the app shows today’s transactions as if they were made yesterday (after we switch to winter time), it’s still the best app ever.But please fix these bugs so we all can become happier :))
In a Dutch way
novosibuser
With a support of big Dutch banks this app became even more convenient!
Жду фикс
atolstaia
Ребята, ну это же трындец. Я листаю транзакции за предыдущие месяцы и разбираю их по категориям. Каждые штук 5 открытых экранов – креш. За полчаса активного использования крешей 10 получила. Сейчас пытаюсь за март поредактировать и падает уже на первом открытом экране транзакции!А это этого страдала несколько месяцев с ошибкой синка. Прошла только после переустановки аппа в июне.Хочу поставить вам 5, но давайте выпустите фикс, чтобы стало хотя бы возможно пользоваться приложением. А не только на автоподтягивании транзакций жить чтобы.
Terrible customer support
ahuseu
They support big Dutch banks, but do not import transactions properly and lose their description. ABN can be one of examples. I’ve reported it several times across the year, but looks like they are not going to fix it.
Just a small update this time: a few fixes and improvements to keep Zenmoney running smoothly.
For ideas and questions, join our chat: https://t.me/zenmoneychat_en
Versie 26.8
De ontwikkelaar, Zenmoney OU, heeft aangegeven dat volgens het privacybeleid van de app gegevens kunnen worden beheerd zoals hieronder beschreven. Ga voor meer informatie naar het privacybeleid van de ontwikkelaar .
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261,4 MB
Categorie
Financiën
Compatibiliteit
Vereist iOS 15.0 of nieuwer.
iPhone Vereist iOS 15.0 of nieuwer.
iPod touch Vereist iOS 15.0 of nieuwer.
Mac Vereist een Mac met macOS 12.0 of nieuwer én Apple M1-chip of nieuwer.
Zenmoney OU heeft zichzelf geïdentificeerd als een handelaar van deze app en heeft bevestigd dat dit product of deze dienst voldoet aan de wetgeving van de Europese Unie.
