# ZenCena — Finanzas claras > Finanzas claras (iPhone/iPad app by Jonathan Alexis Diaz Gonzalez.) - Source: https://appshunter.io/ios/app/zencena/id6771092550 (this page in markdown: same URL + `.md`) - Developer: [Jonathan Alexis Diaz Gonzalez](https://appshunter.io/developer/1896770746) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.1 · 41 MB - Languages: American English - Released: 2026-05-29 - Data updated: 2026-09-02 - User reviews in markdown: https://appshunter.io/ios/app/zencena/id6771092550/reviews.md ## What is ZenCena? ZenCena is the personal finance app that respects your privacy: no forced login, and your information is never shared with anyone. Now with the 50/30/20 rule to split your money without complicated bookkeeping. 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. WHAT YOU CAN DO • 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 (Face ID / Touch ID) • 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 Apple ID account upon confirmation of purchase. You can manage and cancel your subscriptions in your Apple ID settings after purchase. Any unused portion of a free trial period is forfeited when you purchase a subscription. Terms of Use (EULA): 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. ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | ZenCena Premium | $2.99 | per month | | ZenCena Premium | $19.99 | per year | ## Version history (last 5 releases) ### 1.3.1 — 2026-08-27 • 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. ### 1.3.0 — 2026-08-13 New: split your money with the 50/30/20 rule. • Divide what you earn into needs, wants and savings, and see each month if you're on track. • Your categories come pre-sorted — change any that don't fit with one tap. • Tap any part of the split to see which expenses make it up. • Now with 58 currencies, each with the right symbol and format. Includes a tutorial to understand the rule, always available from Profile. ### 1.2.0 — 2026-07-28 Centro de notificaciones Los avisos ya no se pierden al descartarlos. Toca la campana en el inicio para ver todo lo que ZenCena registró por ti, y toca cualquiera para ir directo a lo que señala. Corte y pago en tus tarjetas Cada tarjeta muestra su fecha de corte y hasta cuándo tienes para pagar, con cuenta regresiva al acercarse. El monto sugerido ahora se calcula sobre el saldo al corte, descontando las compras posteriores. Recordatorios para registrar Te avisamos a diario para que no olvides anotar tus movimientos. Cambia las horas o apágalos en Perfil → Preferencias. Historial de pagos La pestaña Pagados guarda lo que ya cubriste, incluidos los pagos de tarjeta y los recordatorios que se repiten. Además • Nueva tipografía con cifras alineadas: los montos son más fáciles de comparar de un vistazo. • Los recordatorios de tarjeta avisan tres veces (15 días antes, un día antes y el mismo día) en lugar de una sola. • Los recordatorios recurrentes ya no vuelven a quedar vencidos al marcarlos como pagados. • Al editar el saldo de una cuenta se registra una transacción de ajuste, para que el historial cuadre. • Confirmación antes de marcar un pago y validación de fondos disponibles. • Listas más fluidas en transacciones y pagos. ### 1.1.0 — 2026-06-06 Pago de tarjetas renovado: elige la cuenta de origen al pagar. El pago ya no cuenta como ingreso ni gasto, solo baja tu deuda. • Un recordatorio por tarjeta, 15 días antes del pago. • Configura corte y pago desde el calendario. • ¿Ya pagaste este mes? Márcalo y la app lo omite. • Iconos de cuentas con el color de tu banco. • Mejoras de estabilidad. ### 1.0.1 — 2026-05-30 Versión 1.0.1 — Notificaciones inteligentes + teclado pulido Recordatorios automáticos para tarjetas de crédito Al registrar una tarjeta con día de pago, ZenCena crea solita el recordatorio mensual. Recibes aviso un día antes + el día del vencimiento. Aviso de cierre de estado de cuenta 24h antes del corte de tu tarjeta de crédito recibes notificación para que decidas si compras hoy o esperas al próximo ciclo. Aviso previo de movimientos recurrentes Tus suscripciones (Netflix, Spotify, etc.) ahora avisan un día antes del cobro. Nada de sorpresas en el banco. Celebración al alcanzar metas Llegas a 25%, 50%, 75% o 100% de una meta de ahorro y recibes notificación. Alerta al 80% del límite de crédito Cuando tu tarjeta llega al 80% del límite disponible, ZenCena te avisa antes de que te pases. Badge en el icono El icono ahora muestra cuántos pagos tienes pendientes, de un vistazo. Posponer pago un día Desde la notificación puedes posponer el recordatorio 24 horas si todavía no puedes pagar. Teclado mejorado Reescribimos cómo manejamos el teclado en todos los formularios. Los inputs siempre quedan visibles + barra con Prev/Next/Done arriba del teclado. Correcciones Inputs ya no quedan tapados al escribir. Calendarios y selectores cierran el teclado al abrirse. Más estabilidad en formularios. ## Apps similar to ZenCena | App | Rating | Price | Category | | --- | --- | --- | --- | | [ARCES](https://appshunter.io/ios/app/arces/id1595998930) | — | Free | Finance | | [Keytom — Borderless Finance](https://appshunter.io/ios/app/keytom-borderless-finance/id6479372970) | 5.0 (1) | Free | Finance | | [Prend: Loans Between Friends](https://appshunter.io/ios/app/prend-loans-between-friends/id1672119135) | — | Free | Finance | | [Emprendedoras PrestaVale](https://appshunter.io/ios/app/emprendedoras-prestavale/id6737528493) | — | Free | Finance | | [Budget App & Money - SpendlyAI](https://appshunter.io/ios/app/budget-app-and-money-spendlyai/id6752553892) | — | Free | Finance | | [Sax Go 2](https://appshunter.io/ios/app/sax-go-2/id6745111658) | — | Free | Finance | ## Related topics [tiempo total](https://appshunter.io/ios/topics/tiempo-total) · [cdc sigamos el desarrollo](https://appshunter.io/ios/topics/cdc-sigamos-el-desarrollo) · [cena](https://appshunter.io/ios/topics/cena) · [oscus](https://appshunter.io/ios/topics/oscus) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*