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.
I was worried about functionality after I had started using the app with my spouse as tracking money with more than one person assumes a lot of cases when stable synchronization is important. However, it has worked fine since then, no issues with functionality, maybe one I remember vividly with creating sub-categories while adding new transaction, but it happens very seldom and is minor from my point of view. So, what I want to say is thanks to creators for their high-quality product. 💪
Great!
alaskabeat
ZenMoney is my go-to app for finally understanding where my money goes. I linked my bank accounts in minutes, and now it automatically tracks everything. I love the simple budgets and the alerts for upcoming bills - no more surprises! It feels like having a friendly financial assistant in my pocket. For the first time, I'm actually in control of my spending instead of wondering where it all went. Totally worth it
Good, but please, add the ability to attach files
I don’t want to use nickname
The application is very convenient and clear. But I would like to have the ability to attach files with payment documents.
Great for integrations
bolein95
The app is very good when it comes to integrations with post-soviet space banks and financial institutions. However, it lacks some very basic analytics that are common to such apps. For example, there is no cumulative balance chart, no cash flow chart, no money aging diagram. Once these are added, would definitely change the review to 5*. The UI is rather simplistic and clean, maybe even TOO CLEAN. I would suggest improving it to meet modern standards.
This is mainly a technical update. We also improved SMS/push recognition and updated details in the “Spending by category” report, for example we brought back category colours.
For ideas and questions, join our chat: https://t.me/zenmoneychat_en
Version 26.1
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, for example, based 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
Seller
Zenmoney OU
Size
217.6 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.
