Zarflo: Envelope Budgeting

Zarflo is the envelope budget that runs on your payday. Rent, groceries, bills, fun… every expense has an envelope, and you always see how much you can safely spend today.

WHY ZARFLO?
• Safe to spend today: one number with bills, card installments and goals already taken out
• Cycle forecast: where this pace leaves you at the end of the period
• A budget cycle that follows your payday; leftovers roll over
• Scan receipts and bills: snap a photo and the amount, date and store fill in. The photo never leaves your phone
• Together: split costs on trips, with flatmates or for a birthday — equally, by shares or by amount — and see who owes whom. Your share goes straight into your own budget
• Credit cards and installments: see the months ahead before they hit
• Exchange rates and gold at a glance
• Cycle report: where your money went and what changed since last time
• Goals, streaks and bill reminders
• Edit a transaction, split it across envelopes, keep unlimited history
• Syncs across your devices; sign in with email, Apple or Google

PRIVACY
No ads, no ad tracking, no bank passwords. Your data is never sold.

ZARFLO PLUS
Budgeting itself is unlimited and free. Plus adds:
• AI receipt reading — 3 free readings a month, then fair use on Plus
• Detailed reports for cycles older than 92 days; 6- and 12-cycle trends and a Year view
• Smart alerts: an envelope hitting 80%, unusual spending, a balance dropping fast
• Subscription tracking: yearly cost, next charge and a price-rise flag
• Share the cycle report as a PDF
• Color themes, alternate app icons and a custom envelope color
Weekly, monthly and yearly plans, with a 7-day free trial on the yearly plan. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the period. Manage or cancel anytime in your App Store account settings.

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

Exchange rate and gold prices are for information only, not investment advice.