Zenmoney: expense tracker

Zenmoney: expense tracker

Master Your Money with Ease

• Zenmoney transcends basic expense tracking to become your personal financial partner.

• By transforming raw data into actionable clarity, we empower you to make confident, calm decisions that align with your long-term ambitions.

Effortless Automation

• Ditch the manual spreadsheets.

• Zenmoney syncs seamlessly with over 3,300 banks worldwide, automatically importing and categorizing your transactions across cash, investments, savings, and crypto.

• Get a complete, real-time financial snapshot without lifting a finger.

Deep Financial Intelligence

• Understand the "why" behind your spending.

• Our analytics engine reveals your habits, identifies growth trends, and monitors your income-versus-expense balance.

• We calculate your "runway"—showing you exactly how many months you could sustain your lifestyle—to help you build a more robust safety net.

AI-Powered Financial Coaching

• Leverage our integrated GPT assistant to turn data into strategy.

• Whether you need custom comparative charts, help finding specific historical transactions, or tailored advice on budget optimization, your AI assistant provides deep insights to keep your financial goals within reach.

Proactive Planning

Stay ahead of your obligations without the stress.

• Smart Forecasting: AI predicts future spending based on your history, highlighting upcoming bills and recurring subscriptions in a simple, intuitive calendar.

• Goal-Oriented Budgeting: Set spending caps, schedule payments, and define saving goals.

• Disposable Income Clarity: See exactly what you have left to spend freely after your commitments and savings are prioritized.

Find Your Financial Zen

• Stop simply recording history and start shaping your future.

• Zenmoney moves beyond traditional bookkeeping by acting as a proactive assistant that reminds you of what matters, identifies hidden savings, and grants you the peace of mind that comes with total financial control.

FAQ

Q: Is it safe to connect my bank accounts to Zenmoney?

A: Security is a top priority for us. Zenmoney syncs with over 3,300 banks worldwide using secure, encrypted connections. We are committed to protecting your sensitive financial data with industry-standard security protocols, ensuring that your information remains private while allowing you to enjoy the benefits of real-time automation.

Q: Does Zenmoney track more than just my daily checking account expenses?

A: Absolutely. Zenmoney provides a comprehensive view of your entire financial ecosystem. This includes your cash spending, savings accounts, long-term investments, and even your cryptocurrency holdings, giving you a complete, real-time snapshot of your net worth.

Q: How does the automated categorization work?

A: Zenmoney utilizes a sophisticated engine that automatically pulls in your transaction history and assigns each item to the appropriate category. This removes the manual burden of tagging every coffee, grocery run, or utility bill, allowing you to focus on the big-picture trends instead of tedious data entry.

Version History

v26.3——9 Jun 2026

Take control of your finances with Zenmoney. Effortlessly track expenses, sync 3,300+ banks, and use AI forecasting to reach your goals. Download the latest version of Zenmoney: expense tracker to enjoy new features and updates immediately!

*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

*8.7.1

— Switch between current and previous periods in Analytics. Handy when a month has just ended — switch all widgets to last month in one go.

— New “Plans” widget, so all your analytics sit on one screen.

For ideas and questions, join our chat: https://t.me/zenmoneychat_en