# Zpent — Your finances, finally clear

> Your finances, finally clear (iPhone/iPad app by JOAO PAULO SEDER.)

- Source: https://appshunter.io/ios/app/zpent/id6766276357 (this page in markdown: same URL + `.md`)
- Developer: [JOAO PAULO SEDER](https://appshunter.io/developer/1896263043)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 37 MB
- Languages: English
- Released: 2026-05-22
- Data updated: 2026-07-07
- User reviews in markdown: https://appshunter.io/ios/app/zpent/id6766276357/reviews.md

## What is Zpent?

Stop manually categorizing transactions. Zpent does it instantly.

Categorizing transactions is one of those tasks everyone knows they should do — and nobody wants to. It's tedious, time-consuming, easy to fall behind on. Zpent makes it disappear.

Import a PDF, CSV, XLS, XLSX, OFX, or QFX from any bank, and Zpent's AI categorizes every transaction in seconds. 17 smart defaults, unlimited custom categories, and the model learns from your corrections. What used to take an hour now takes seconds — and seeing your spending actually organized feels surprisingly satisfying.

SAFE TO SPEND
One clear number: exactly how much you can comfortably spend right now, factoring in your monthly budget and upcoming commitments. No spreadsheet, no math. Just a glance.

EXPENSE HEATMAP
A color-coded calendar of your spending patterns. Spot which days and weeks actually drain your wallet — at a glance.

AI ASSISTANT
Ask plain-English questions: "How much did I spend on restaurants last month?" or "Am I on track with my grocery budget?" Instant answers, grounded in your real data.

BUDGETS THAT LEARN FROM YOU
AI-suggested limits based on your actual spending history. Adjust as you go, copy from previous months, get visual breakdowns by category.

UNIVERSAL IMPORT
PDF, CSV, XLS, XLSX, OFX, QFX. Any format from any bank in 150+ currencies, with automatic format, currency, and date detection.

SCHEDULED PAYMENTS
Track recurring payments — subscriptions, rent, salary — with calendar reminders, "due this week" alerts, and the ability to skip individual occurrences.

PRIVACY, FIRST CLASS
Encrypted in transit (TLS 1.2+) and at rest (AES-256). GDPR compliant. SOC 2 Type II infrastructure. Your financial data is never used to train AI models. Ever.

FAMILY & COLLABORATORS
Share view-or-edit access with a partner, accountant, or family member. Everyone stays on the same page.

Privacy policy: https://zpent.io/privacy
Terms of use: https://zpent.io/terms
Support: support@zpent.io


## Version history (last 2 releases)

### 1.1 — 2026-07-01

Zpent 1.1 — budgets that travel with you

• Share budgets in a tap. Turn any budget into a template and share it with a QR code — friends, family, or your future self can apply it instantly.
• See your pace at a glance. The new spending burndown chart shows exactly how much budget you have left versus where you should be this cycle.
• Go multi-currency. Pick your display currency and every total, chart, and transaction converts automatically — formatted the way each currency should look.
• Smarter insights. AI-powered highlights surface what changed in your spending, right on your dashboard.
• A fresh first impression. A redesigned login, native navigation, and a faster, smoother transactions list.
• Your language. Full English, Portuguese, and Spanish support.

Plus performance and stability improvements across the app.

### 1.0 — 2026-05-22

No release notes.

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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 2026-07-07.*