# Zepbo: AI Finance & Budget App — Money, Debt, Bills & Net Worth

> Personal finance organizer with income waterfall and bill detection. (iPhone/iPad app by Zepbo, LLC.)

- Source: https://appshunter.io/ios/app/zepbo-ai-finance-and-budget-app/id6779949508 (this page in markdown: same URL + `.md`)
- Developer: [Zepbo, LLC](https://appshunter.io/developer/6779949510)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 15.1 · 46 MB
- Languages: American English
- Released: 2026-06-30
- Data updated: 2026-09-10
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/zepbo-ai-finance-and-budget-app/id6779949508/reviews.md

## What is Zepbo?

Zepbo turns your finances into one clear plan. 

FEATURES
- Securely connect unlimited bank accounts via Plaid (Premium)
- AI Insights (Premium)
- Automatic bill detection from your transactions
- Net worth and cash flow tracking

Zepbo Pro is available for free with manual account creation or a premium tier with AI Insights and access to Plaid. Manage your finances with clarity — start today.  Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Connect unlimited bank accounts
- 5-tier income waterfall
- Automatic bill detection
- Net worth tracking
- Cash flow tracking
- Personalized financial insights

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Zepbo Premium | $15.00 | per month |
| Zepbo Premium | $150.00 | per year |



## Frequently asked questions about Zepbo

### How secure is Zepbo?

Zepbo uses Plaid to securely connect your bank accounts, ensuring your financial data is protected with industry-standard security measures. Your login credentials are not stored by Zepbo.

### What is the income waterfall in Zepbo?

The income waterfall is a 5-tier system that visually guides your money flow, prioritizing taxes, then bills, debt, savings, goals, and finally, discretionary spending. This ensures you know exactly where your money should go.

### Can Zepbo detect my bills automatically?

Yes, Zepbo automatically detects bills from your transaction history. This feature helps you stay on top of your recurring payments and avoid late fees.

### What are the subscription options for Zepbo Pro?

Zepbo Pro is available as a monthly subscription for $15.00 or an annual subscription for $150.00. A 7-day free trial is offered for new users.

### What devices does Zepbo support?

Zepbo is available on iPhone and iPod devices. It is designed for iOS users looking to manage their finances on the go.

### How often is Zepbo updated?

The latest version of Zepbo is 1.55.0, and it was last updated on June 30, 2026. Updates typically include new features, bug fixes, and performance improvements.

### Does Zepbo have ads?

No, Zepbo does not contain advertisements. The app focuses on providing a clean and uninterrupted financial management experience for its users.

### What is the age rating for Zepbo?

Zepbo has an age rating of 4+, making it suitable for a wide range of users. This indicates it contains no mature content and is appropriate for most audiences.

## Version history (last 5 releases)

### 1.76.5 — 2026-08-29

Adjustments to Ideas layout.

### 1.74.5 — 2026-08-04

New Money Flow design, adjust budget categories and more with version 1.74.5

### 1.68.3 — 2026-07-12

Zepbo is now free to start — track your accounts manually at no cost; connect banks and get AI insights with Premium, plus the category picker and Money Flow improvements

### 1.56.1 — 2026-07-05

New: Money Flow shows your money in and out each week, month, and year — with AI insights on where to save. Connect your accounts and see the full picture.

### 1.55.0 — 2026-06-30

No release notes.

## Apps similar to Zepbo

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Neway ESX](https://appshunter.io/ios/app/neway-esx/id6753160438) | 1.7 (26) | Free | Finance |
| [F&C Bank](https://appshunter.io/ios/app/f-and-c-bank/id773261899) | 3.8 (13) | Free | Finance |
| [PickTrace PayCard](https://appshunter.io/ios/app/picktrace-paycard/id1643013907) | 4.7 (13) | Free | Finance |
| [LeaderOne](https://appshunter.io/ios/app/leaderone/id1025955483) | 3.9 (33) | Free | Finance |
| [Options Alerts - Swing Signals](https://appshunter.io/ios/app/options-alerts-swing-signals/id1582541707) | 4.4 (362) | Free | Finance |

---

*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 2026-09-10.*