# Zeteo: Split Bills & Budget — Couples, roommates & savings

> Couples, roommates & savings (iPhone/iPad app by Zeteo Technologies Inc..)

- Source: https://appshunter.io/ios/app/zeteo-split-bills-and-budget/id6761891994 (this page in markdown: same URL + `.md`)
- Developer: [Zeteo Technologies Inc.](https://appshunter.io/developer/1891960304)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 17+
- Requires: iOS 15.0 · 59 MB
- Languages: American English
- Released: 2026-10-12
- Data updated: 2026-11-13
- User reviews in markdown: https://appshunter.io/ios/app/zeteo-split-bills-and-budget/id6761891994/reviews.md

## What is Zeteo?

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

## 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: Split Bills & Budget 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.

## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/zeteo-split-bills-and-budget/id6761891994/reviews.md

### 5/5 — A Smarter Way to Manage Money!

*2026-11-10*

Really useful app for keeping finances organized! Makes splitting expenses, tracking spending, and managing shared budgets so much easier. Love how everything is simple, clear, and all in one place. Definitely a great app to have!

### 5/5 — No More Money Maths

*2026-11-10*

Finally, an app that makes sharing expenses feel effortless! Love how simple, smart, and practical Zeteo is. No more awkward calculations or keeping track of who owes whom. A little app that makes a big difference in everyday life!

### 5/5 — Everything my money needs, in one place

*2026-11-02*

Honestly, this app is a game changer. I used to juggle two separate apps just to keep my money organized, now Zeteo does it all in one place. Budgets that actually roll over instead of resetting, plus built-in bill splitting so I never have to send an awkward "you owe me" text. Fewer apps, less stress. Highly recommend.

### 5/5 — Great app

*2026-10-31*

Combination of YNAB and split-wise, just what i wanted from a long tine.

## Version history (last 5 releases)

### 1.0.4 — 2026-11-09

iPhone Duo support: open the app on the inner screen for side-by-side views of your money, transactions and insights. Pull a sheet down to close it. Split a charge with a group, with your 3 most recent groups on top. Clearer messages when inviting someone, and when your bank hasn't shared a balance yet. Fixes and polish.

### 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 2026-11-13.*