Split bills with friends, roommates, family and your partner, and keep your own budget and savings goals in the same app.
Zeteo puts your shared costs and your personal money in one app. It is for couples, roommates, friends and families who share rent, groceries, trips and nights out, and for anyone who wants to see where their own money goes.
SPLIT BILLS WITH YOUR PEOPLE
• Make a group for a couple, a home, a trip, your family or a single dinner. Creating groups is free.
• Split it your way: equally, by exact amounts, by percent or by shares.
• Paid on your card? With Premium, send that bank charge straight to your group. No retyping. By default, your budget counts only your share, not the full amount.
• Travelling? Each expense converts at the exchange rate for the day you spent.
• See who owes whom, with debts combined into fewer payments.
• 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.
• With Premium, scan a receipt and split the bill item by item.
ALL YOUR MONEY IN ONE PLACE
• Link your banks and cards with Zeteo Premium and see every account and transaction in one feed. Bank access is read-only through Plaid.
• See your net worth: your assets minus your liabilities, across your linked accounts.
• With your banks linked, see a safe-to-spend number for the month and the bills due in the next two weeks.
• On the free plan, add cash or manual transactions in seconds, also from a home-screen widget.
• Create your own categories, and change any transaction's category.
• Home-screen widgets: safe to spend, next bills, month at a glance and quick add.
BUDGETS AND SAVINGS GOALS
• Set a budget for a spending category. What you don't spend rolls over into next month.
• Create a savings fund for something you are saving toward, such as a rainy day or a laptop, and see how much you have saved so far.
• The free plan includes 2 budgets or savings funds. Premium removes that limit.
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.
ON IPHONE DUO
• Open Zeteo on the inner screen to see your dashboard, transactions, groups and insights side by side.
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.
REAL PEOPLE, ON THE OTHER END
• Hit a bug or have an idea? We read every message and reply to your account email.
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 linking your banks and cards, more budgets and savings funds, 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. If Premium ends, linked banks keep syncing for 7 days, then disconnect; your history stays. 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
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