Zenmoney: expense tracker
Your Smart Personal Finance Partner
• Take total control of your money without the stress of traditional bookkeeping.
• Zenmoney turns your complex financial habits into simple, actionable insights, helping you make calm, confident decisions that support your long-term goals.
Effortless Automatic Tracking
• Connect with over 3,300 banks globally to view cards, cash, investments, and crypto in one place.
• Skip tedious manual entry with automatic transaction imports and categorization.
• Customize categories to match your lifestyle and get a clear snapshot of your finances at a glance.
Deep Spending and Savings Analysis
• Spot spending trends and easily compare your cash flow from month to month.
• Keep your budget balanced with clear visual breakdowns of income versus expenses.
• Track your savings progress and see exactly how many months your financial cushion will cover you.
AI-Powered Personal Guidance
• Get tailored financial advice using an integrated, GPT-powered smart assistant.
• Generate custom charts and deep-dive analytics tailored to your unique questions.
• Uncover forgotten subscriptions and find quick ways to optimize your monthly spending.
Stress-Free Planning and Forecasting
• Create flexible monthly budgets, set category spending limits, and organize virtual savings pots.
• Instantly calculate your safe-to-spend disposable income for worry-free everyday purchases.
• Use smart payment calendar forecasts to predict future bills, avoid late fees, and cut unnecessary costs.
Simplified Expense Management
• Transform your relationship with money today and bring true financial harmony into your life with Zenmoney.
FAQ
Q: Which banks and financial institutions can I connect to Zenmoney?
A: Zenmoney supports connections with more than 3,300 banks and financial services worldwide. Whether you use a major global bank, a regional credit union, a fintech‑only app, or a crypto exchange, you can link the account securely and watch your transactions appear in real time.
Q: Is my data safe when I link my bank accounts to Zenmoney?
A: Security is a top priority. Zenmoney uses industry‑standard encryption (AES‑256) for data at rest and TLS 1.3 for data in transit. Your login credentials are never stored on our servers; instead, we rely on secure token‑based authentication provided by each financial institution. You can also enable biometric or PIN protection within the app for an extra layer of privacy.
Q: How does the automatic categorisation of expenses work?
A: When a transaction is imported, Zenmoney’s AI engine analyses the merchant name, description, amount and historical patterns to assign a category (e.g., groceries, transport, subscriptions). If the suggestion doesn’t match your habit, you can simply drag the transaction to a different category, and the system learns from your correction for future accuracy.
Version History
v26.4——3 Aug 2026
Take control of your finances with Zenmoney, the smart automatic expense tracker. Track spending, create budgets, & get AI insights. Download the latest version of Zenmoney: expense tracker to enjoy new features and updates immediately!
*26.4
Brands now have their own details with a “People share” section, where you can leave and find tips on how to pay smarter. Find brands in “Best way to pay” by tapping the card icon in Transactions.
We’ve also added refunds in Budgets.
For ideas and questions, join our chat: https://t.me/zenmoneychat_en
*26.3
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
*8.9.1
Bug fixes and stability improvements for bank sync.
For ideas and questions, join our chat: https://t.me/zenmoneychat_en
