ZenCena

ZenCena is the personal finance app that respects your privacy: no forced login, and your information is never shared with anyone. Track your spending, build your monthly budget and split your money with the 50/30/20 rule.

THE 50/30/20 RULE

Divide what you earn into three parts and see whether your month is balanced:
• 50% for what you need: rent, groceries, utilities, commuting, health
• 30% for what you enjoy: restaurants, streaming, clothes, travel
• 20% for your future: savings, investments, goals and debt payments

Your categories come pre-sorted, so you never have to tag expense by expense. Tap any part of the split to see what makes it up and fix anything that doesn't fit. Includes a tutorial explaining the rule, always available from Profile.

EXPENSE TRACKING AND BUDGETING

• Track income, expenses and transfers between accounts
• Manage accounts: debit, credit, savings, cash, investments, loans
• Attach a receipt photo to your transactions
• Set monthly budgets per category with alerts at 80% and 100%
• Save with goals: put money aside for a target or keep it open-ended
• Schedule recurring transactions (subscriptions, salary, rent)
• Get payment reminders for your credit card
• See your spending with charts by category and by month
• Find any transaction instantly by title, amount, category or account
• Custom categories with the icon and color you like
• Choose from 58 currencies, each with its own symbol and local format
• Light, dark or automatic theme
• Biometric lock (fingerprint or face)
• Exportable annual report

PRIVACY FIRST

Your financial information is yours. By default, ZenCena sends no transactions, balances or account names to any server: everything lives in your device's private storage, protected by the system's encryption. No mandatory account, no forced email, no tracking of what you spend.

To improve the app we use anonymous analytics (events like "transaction added") and crash reports with no personal data. If you turn on cloud sync (optional Premium), your data is backed up encrypted on our servers and you can delete it any time from the app.

PREMIUM

The free version is generous: 3 accounts, 10 custom categories, 2 savings goals, 3 budgets, 5 reminders, 2 recurring transactions, and the 50/30/20 rule included. Premium unlocks everything with no limits, custom percentages for your plan, photo receipts, backup export, annual report and multi-device sync.

ZenCena Premium subscription plans:
• ZenCena Premium Monthly: $3.99 USD per month
• ZenCena Premium Yearly: $24.99 USD per year (includes a 7-day free trial)

Subscriptions renew automatically at the end of each period unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Google Play account upon confirmation of purchase. You can manage and cancel your subscriptions in Google Play > Payments and subscriptions. Any unused portion of a free trial period is forfeited when you purchase a subscription.

Terms of Use: https://zencena.app/terms-en
Privacy Policy: https://zencena.app/privacy-en

SUPPORT

Email: soporte@zencena.app
Bugs: https://forms.gle/JDkHQ281oPcGsagP9

Made with care in Mexico.

Recent changes:
• Payments now actually deduct. Marking a reminder as paid records the expense and lowers the balance of the account you pick, with a few seconds to undo it.
• New frequencies: every 14 days, and twice a month (the 15th and the last day), for payments and recurring transactions.
• ZenCena is now available in French.
• Marking a payment as paid from the notification now deducts from your account.
• Visual fixes in forms and category pickers.