Zowda

Zowda is the personal finance app that actually talks back. Ask questions about your money, get a budget built around your real income, and receive proactive insights — all through a conversational AI assistant connected to your bank accounts. No spreadsheets. No guesswork. Just a clear path from paycheck stress to financial confidence. Zowda requires a Zowda Pro subscription (auto-renewing, $12.99/month). All features described below are included in Zowda Pro — see subscription details at the end of this description. CHAT WITH YOUR MONEY Your primary interface is a conversation. Ask things like "How much did I spend on dining this month?" or "Can I afford a weekend trip?" and get instant, data-backed answers. The assistant has full context on your accounts, transactions, and budget — so the answers are always specific to you. BUDGET WITH CLARITY Create a realistic budget that matches your life. Choose from proven strategies — the classic 50/30/20 split, an aggressive savings plan, or a debt-focused approach — and Zowda allocates your income across categories automatically. Adjust targets and limits as your life changes. A BUDGET THAT TARGETS YOUR DEBT Choose the Debt Focus strategy and your budget prioritizes extra payments toward paying down your debt — without squeezing the essentials. Watch your balances drop as you stick to the plan. WEEKLY & MONTHLY PULSE Every week, Zowda delivers a digest of your financial health: spending trends, income summary, budget status, and AI-generated insights. Monthly reports go deeper with net worth tracking and longer-term patterns. No need to open the app — the important stuff comes to you. LINK ALL YOUR ACCOUNTS Securely connect your bank accounts, credit cards, and loans in seconds. Zowda uses read-only access to aggregate your transactions — your credentials are never stored. See every account balance in one place. SHARED HOUSEHOLD BUDGETS Managing money with a partner or family? Create shared budgets, invite members, and track household spending together. Everyone stays on the same page. SMART SPENDING INSIGHTS Spot patterns you didn't know existed. Transactions are automatically categorized, and you can create custom rules to keep everything organized. Understand your habits with clear trends — no judgment, just data. HOME SCREEN WIDGETS See your budget progress and financial summary at a glance without opening the app. Available in multiple sizes for your Home Screen and Lock Screen. REACH YOUR ASSISTANT ANYWHERE Chat with Zowda in the app, or connect via SMS or Telegram. Your financial assistant meets you where you already are. ZOWDA PRO SUBSCRIPTION Zowda requires a Zowda Pro subscription to use the app; there is no free tier. • Zowda Pro Monthly: $12.99 per month, purchased in the app as an auto-renewable subscription • Payment is charged to your Apple ID account at confirmation of purchase • The subscription renews automatically unless canceled at least 24 hours before the end of the current period • Manage or cancel your subscription anytime in your App Store account settings • Already subscribed on the web? Sign in with the same account to access Zowda Pro on iOS Terms of Service: https://app.zowda.com/terms-of-service Privacy Policy: https://app.zowda.com/privacy Zowda provides financial tools and education. It is not a financial advisor and does not provide personalized investment advice.