# Zeteo - Personal Finance — Budget, Split Bills, Net Worth

> Budget, Split Bills, Net Worth (iPhone/iPad app by Zeteo Technologies Inc..)

- Source: https://appshunter.io/ios/app/zeteo-personal-finance/id6761891994 (this page in markdown: same URL + `.md`)
- Developer: [Zeteo Technologies Inc.](https://appshunter.io/developer/1891960304)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.0 · 58 MB
- Languages: American English
- Released: 2026-10-12
- Data updated: 2026-11-05

## What is Zeteo?

Split a bank charge with your group, and your budget counts only your share.

Zeteo puts your budget and your shared costs in one app. It is for couples, roommates, friends and families who share rent, groceries, trips and nights out.

SPLIT WHAT YOU ALREADY PAID
• Paid for dinner on your card? Send that bank charge to your group. No retyping.
• By default, your budget counts only your share, not the full amount.
• Split it your way: equally, by exact amounts, by percent or by shares.
• Make a group for a trip, a home or a single dinner.
• Travelling? Each expense converts at the exchange rate for the day you spent.

SETTLE UP WITH THE APP YOUR FRIENDS ALREADY USE
• See who owes whom, with the fewest payments to clear it.
• Settle up through PayPal, Venmo, Cash App, Zelle, Interac e-Transfer, Wise or Revolut. Zeteo opens that app or copies your details. PayPal and Cash App also fill in the amount.
• Zeteo never moves or holds money.
• Send a friendly reminder as a push notification, at most once a day per friend and group.

KNOW WHAT'S SAFE TO SPEND
• A safe-to-spend number for the month, and the bills due in the next two weeks.
• Rollover budgets: what you don't spend carries into next month.
• Link your banks and cards, and see every transaction in one feed. Search it, and fix a category once.
• Add cash or manual transactions in seconds, also from a home-screen widget.
• Create your own categories, and change any transaction's category.
• Home and lock screen widgets: safe to spend, who owes you, next bills, month at a glance and quick add.

SEE WHERE YOUR MONEY GOES (PREMIUM)
• Cash-flow forecast, weeks ahead.
• Spending trends and unusual-spend alerts.
• Track subscriptions and bills, including the ones you add yourself.

PRIVATE BY DESIGN
• Bank access is read-only through Plaid. Zeteo sees transactions and never moves money.
• Zeteo never stores your bank credentials. Plaid handles that.
• Your receipt photo never leaves your device.
• Receipt text is processed securely to itemize your bill.
• Traffic to our servers is HTTPS-only, and cloud data is encrypted at rest.
• We do not sell your data.
• Delete your account and everything in it at any time, from within the app.

ZETEO PREMIUM
Every new account gets 14 days of Zeteo Premium when you sign up. No payment method is required, and nothing is charged when the 14 days end. Your account continues on the free plan.

Premium adds more bank accounts and budgets, receipt scanning that splits a bill item by item, the Insights tab (cash-flow forecast, spending trends, subscriptions and unusual-spend alerts) and instant refresh. Premium is a subscription billed through your Apple ID. It renews automatically until you cancel, and you can manage or cancel it any time in your App Store subscription settings.

Zeteo is a personal finance app. Zeteo is not a bank, and bank connections are provided by Plaid.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://zeteoapp.com/privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Zeteo Premium | $8.99 | per month |
| Zeteo Premium | $79.99 | per year |


## Is Zeteo safe?

Not enough ratings yet to assess Zeteo.

## Is Zeteo legit?

Zeteo - Personal Finance has limited verification signals. The AppsHunter Legitimacy Score for Zeteo is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 4 releases)

### 1.0.3 — 2026-10-22

• Your first bank import now brings in your full history, not just the first 2,500 transactions.
• Shared expenses: amounts from linked banks now match the group, receipt splits show "You", and amounts line up.
• Subscriptions: "Not a subscription" and Hide now stick, and renamed merchants no longer show up twice.
• Month in Review totals now match the details, and a month can no longer close early.
• Clearer messages when a bank connection has a problem, and a new welcome screen for new installs.
• Stability and performance improvements.

### 1.0.2 — 2026-10-19

• Linking banks and cards is now part of Zeteo Premium. If Premium ends, your banks keep syncing for 7 days, and your history always stays in the app.
• Faster, more reliable sync. We optimized how the app talks to our servers and database.
• Amount fields now take up to two decimals, and the keypad closes when you move to the next screen.
• Stability and performance improvements.

### 1.0.1 — 2026-10-13

• Create as many groups as you need. Group splitting has no limit.
• Clearer payment messages: a shared message now names the app you paid through.
• The Payment methods screen now says which apps fill in the amount.
• Premium screens now list only what Premium adds.
• Fixes and polish.

### 1.0 — 2026-10-12

No release notes.

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## Related topics

[zeteo](https://appshunter.io/ios/topics/zeteo)

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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 2026-11-05.*