Build your financial well-being: track spending, stay on budget and grow savings
4.28·27,839 reviews·1,000,000+ downloads
About Zenmoney: expense tracker
Zenmoney: expense tracker is a finance app developed by Zenmoney OU.
Download Statistics
Zenmoney: expense tracker has been downloaded 1.4 million times. In the last 30 days, the app was downloaded 4.7 thousand times.
User Ratings
Zenmoney: expense tracker is rated 4.28 out of 5 stars. The rating is based on 28 thousand ratings.
App Information
Zenmoney: expense tracker is FREE to download. The APK download size is 94.69 MB. The latest version available is 26.5. The last update was on July 14, 2026.
Technical Requirements
Zenmoney: expense tracker requires Android 7.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play March 2015.
Description
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 GPT-powered assistant Zenmoney features a GPT-powered 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.
Recent changes: Improved the add-transaction form: the transaction type is now visible right away, without an extra tap, and the keyboard now has an “=” button.
We’ve also added an Inbox task for replacing merchants with brands. No need to search for these transactions manually anymore.
For ideas and questions, join our chat: https://t.me/zenmoneychat_en
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I like the app for reports mostly. Can I propose linking a color of a category in the "spend by category" report with an actual color they have in my setting, or at least they should have static color in any month? Now, the color of a category depends on s size of a bubble. It's confusing to me. Ps: and add more colors, please:)
★★★★★Liz Mash· May 2, 2025
This app has completely transformed the way I manage my finances! It’s incredibly easy to use, and the premium version is very affordable. I love that I can link it to my bank account—or manually add transactions, which helps me stay mindful of every expense. It offers detailed categories for each type of spending, allows unlimited accounts, and generates helpful reports based on category or even specific shops. Truly a game-changer!
★★★★★Данил Амиров· Jun 30, 2026
Best app on the market! The flexibility is incredible. Feature request: There are no icons for many banks, especially U.S. banks. As a result, they're either shown with blank icons or I have to choose other banks with somewhat similar icons.
★★★★☆Artyom B· Jun 5, 2026
It would be the best financial app for personal accounting if they added 3 decimal places for currencies like the Kuwaiti Dinar, Saudi Riyal, and Omani Riyal. It’s been 2 years since my request, and nothing has changed. These roundings to 2 decimals create a discrepancy I have to adjust every month. 🤦♂️ So lame...
★☆☆☆☆Владимир Астраханцев· Oct 2, 2025
TBC connection was working, but now it is not, I am sad. UPD: TBC work well, thank you! It would be perfect if depts work as usual accounts, so I could pay in some category by the debt or transfer money between two debts. UPD: TBC not working since 16.02.2024, UPD 02.10.2025 same
★☆☆☆☆Dmitriy Neustroev· Sep 12, 2025
Application had been working properly for me for about 8 years but after last update in September 2025 it deleted all my debts. I asked support team, and they said that they don't have any backups, and apparently I had deleted debts myself manually, but I hadn't. Also, almost after each update there are bugs, seems there is no testing enough before release.
★★☆☆☆Oleg Somov· Feb 19, 2026
I’ve been using this app for 6 years. The main reason I stuck with it was the auto-sync of card transactions. But lately the app has been going downhill. Some transactions just don’t show up, names and categories get mixed up, and occasionally transactions just disappear. As a result, there are constant discrepancies in the app, and I have to check everything manually. So the whole point of using the app is lost.
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