# Zenmoney: expense tracker — Budgeting with AI assistant

> AI-powered expense tracker and personal finance assistant for automated budgeting and spending analysis. (iPhone/iPad app by Zenmoney OU.)

- Source: https://appshunter.io/ios/app/zenmoney-expense-tracker/id905934786 (this page in markdown: same URL + `.md`)
- Developer: [Zenmoney OU](https://appshunter.io/developer/1615986462)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.50/5 from 154 App Store ratings · 243 written reviews indexed
- Age rating: 4+
- Requires: iOS 11.0 · 247 MB
- Languages: German (Germany), Russian, European Spanish, American English, Ukrainian, Italian, Brazilian Portuguese, Polish, French (France)
- Released: 2014-09-01
- Data updated: 2026-09-02
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/zenmoney-expense-tracker/id905934786/reviews.md

## What is Zenmoney?

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 AI-powered assistant
Zenmoney features an 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.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Automatic transaction import and categorization
- AI-powered financial insights and analysis
- Budget planning and future spending forecasts
- Savings progress tracking
- Bill and subscription management
- Customizable spending categories

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Annual subscription | $19.99 | per year |
| Monthly subscription | $3.49 | per month |
| Annual subscription with trial | $19.99 | per year |
| Monthly subscription | $3.49 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Zenmoney Premium | $1.99 | one-time |
| Zenmoney Premium | $5.99 | one-time |
| Zenmoney Premium | $8.99 | one-time |
| Zenmoney Premium | $39.99 | one-time |
| Zenmoney Premium | $19.99 | one-time |
| Zenmoney Premium | $9.99 | one-time |


## Recent user reviews (10 of 243)

All indexed reviews: https://appshunter.io/ios/app/zenmoney-expense-tracker/id905934786/reviews.md

### 5/5 — Любимое приложение

*2026-08-10*

Ребята, спасибо большое! Пользуюсь несколько лет.

**Developer response:** Спасибо за поддержку и тёплый фидбэк! 💛 Очень приятно, что вы с нами уже несколько лет.

Thank you for your support and kind words! 💛 We’re so glad you’ve been with us for years.

### 1/5 — Категорически не советую данное приложение !!!

*2026-08-09*

Купил подписку годовую, постоянно что-то отваливается не работает, на данный момент не работает не один банк из 10 пишет у вас старая версия приложения, хотя это последняя доступная  версия, до поддержки не дописаться - это просто ужас какой-то!

**Developer response:** Понимаем вашу реакцию — сообщение действительно сбивает с толку. Извините за путаницу, мы его исправим.

Речь идёт о новой версии, в которой как раз исправлена проблема с обновлением данных банков, о которой вы пишете. Она скоро появится в сторе. Сейчас ничего дополнительно делать не нужно — достаточно дождаться новой версии и обновить приложение.

Спасибо за фидбэк!

### 5/5 — Uso 8 anos já. O app é da Rússia.

*2026-07-29*

Durante 8 anos foi todo bem . Bem prático para usar e colocar gastos dia a dia.

### 4/5 — Debt collection system

*2026-07-28*

Please restructure the debt system. The problem is that debts are divided into two categories, and I have given and I have given them as one category. Such a system is misleading. I would like to understand how much exactly I am owed and how much, for example, I have given

### 1/5 — Бесполезно и неудобно

*2026-07-20*

Дизайн приложение из 2000-х, любой банк РФ выдает аналитику лучше. Очень плохо работает синхронизация, нужно танцевать с бубном, чтобы все свои банки подключить. Графики интуитивно не понятны вообще, непонятная настройка целей. Невозможно нормально все настроить.

### 2/5 — Проблемы со входом и никакой реакции на обращение в поддержку

*2026-06-26*

Пользуюсь приложением около 6 лет. Но стоило мне выйти со своего аккаунта, то войти обратно я уже просто не могу. Авторизация через Гугл не работает. Обращалась по имейл в тех. поддержку — ответа нет. Очень обидно. Приложение нравилось, но такие банальные вещи и ты потерял доступ ко всему финансовому за 6 лет.

### 2/5 — Есть минусы

*2026-06-12*

Интеграции у ВТБ постоянно отваливаются - каждый раз нужно перепривязывать. Яндекс Банк уже который месяц невозможно подключить то с ошибкой 59, то с какой-то другой. 
Ну и без полноценной десктоп или веб версии планирование невозможно нормально использовать, так как любой мобильный интерфейс имеет свои ограничения. Если приложение продолжает оставаться онли-мобайл - придется искать какой-то другой сервис

### 4/5 — Приложение для iPad

*2026-06-07*

Пора бы уже сделать приложение для iPadOS. Очень не хватает.

### 1/5 — Поддержка не отвечает

*2026-05-13*

Оплатил подписку и теперь мне пишут, что она привязалась с другой почте. После этого поддержка уже неделю не отвечает 👏

### 3/5 — Targo

*2026-05-11*

Please TARGOBANK support

## Frequently asked questions about Zenmoney

### What does Zenmoney do?

Zenmoney acts as a personal finance assistant that automatically tracks your spending and income by connecting to your bank accounts and cards. It analyzes your financial habits, provides AI-powered insights, and helps you plan budgets and manage future expenses to improve your financial well-being.

### How does the AI assistant work?

The AI assistant helps you understand your current financial situation, set goals, and create custom analytical charts. It can analyze and compare spending across categories, generate insights for specific time periods, find old transactions, and suggest expenses you might want to optimize.

### Is Zenmoney free to use?

The app offers a free version with in-app purchases. This means you can download and use the core features for free, with options to purchase additional features or services within the app.

### What devices is Zenmoney compatible with?

While the description doesn't explicitly state device compatibility, it is a mobile application, implying it is designed for smartphones and tablets. Users can typically find it on major app stores like Google Play and the Apple App Store.

### How does Zenmoney help with budgeting?

You can plan your essential expenses or create a full monthly budget within Zenmoney. The app allows you to schedule future payments, set spending limits for categories and goals, and automatically calculates your overall budget. It also forecasts future spending based on your history and highlights upcoming bills and subscriptions.

## Version history (last 5 releases)

### 26.6 — 2026-08-13

Just a small update this time: a few fixes and improvements to keep Zenmoney running smoothly.

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

### 26.5 — 2026-07-20

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

### 26.4 — 2026-06-30

Brands now have their own details with a “People share” section, where you can leave and find tips on how to pay smarter. Find brands in “Best way to pay” by tapping the card icon in Transactions.

We’ve also added refunds in Budgets.

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

### 26.3 — 2026-06-03

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

### 26.2.1 — 2026-05-14

— Brands. Transactions are getting easier to read. You’ll see real company names and icons more often instead of unclear bank descriptions. This makes purchases easier to recognise and helps make your analytics more accurate and useful. For now, you’ll need to confirm replacements manually, but we’re planning to make brand detection automatic later.
— New filter in Transactions. Now available without a subscription.

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

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## Related topics

[dzen money](https://appshunter.io/ios/topics/dzen-money) · [control de gastos recibos](https://appshunter.io/ios/topics/control-de-gastos-recibos)

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*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.*