Everything yourmoney doesin a month.
Budget it, see it coming, and share it fairly. Each feature is built around a real moment, not a spreadsheet.
One number you can trust
Set a monthly budget and Zentally shows what is safe to spend: your budget, minus what you've spent, minus what's still due this month.
Safe to spend
Front and centre on Home, with a per-day figure for the rest of the month.
Category limits
Optional caps for food, shopping or anything else. Each fills up as you spend.
Clear over-budget state
Colour, words and an icon when you go over. Never colour alone.
Insights
Spending by category against last month, with every value printed next to its bar.
Subscriptions, bills, loans and repayments
Every recurring payment lives on a month calendar you can swipe through. Each kind has its own colour and shape, so the calendar reads at a glance.
Tap a day
See what's due, paid or overdue that day, with amounts.
Free trials
Add the trial end date and get a reminder before the first charge.
Loans with progress
Add the total and see a progress ring and a payoff date.
Monthly and yearly totals
Know what your commitments cost per month and per year.
Four ways to split
No matter how your group splits costs, Zentally has you covered with mathematically precise calculations.
Equal split
Divide evenly with automatic remainder handling. No one pays more than their fair share.
Exact amounts
Specify exactly what each person owes. Perfect for itemized bills.
Percentage split
Assign percentages to each person. Great for income-based sharing.
Share-based
Allocate by shares. Two shares for the couple, one for each single.
Multi-currency, zero friction
Track expenses in any of 120+ currencies. Zentally auto-converts at real-time rates so everyone sees balances in their preferred currency.
Rates locked in
Exchange rates locked at transaction time. No surprises when you settle.
120+ Currencies
From USD to EUR to JPY, track expenses in the currencies you actually spend in.
Auto-conversion
View all balances in your base currency. Mixed-currency math handled automatically.
Rate history
Historical rates preserved per transaction. Full audit trail for every conversion.
Recurring expenses on autopilot
Set it once, forget about it. Zentally auto-creates transactions for rent, utilities, subscriptions, and any recurring cost.
Flexible frequency
Weekly, monthly, or yearly. Matches your billing cycle.
Auto-processing
Overdue recurring expenses are auto-created when you open the app.
Reminders
Push notifications before due dates so you're never caught off guard.
Status at a glance
Upcoming, due today, overdue and paid, each with its own icon and label.
Settle smarter, not harder
Our debt simplification algorithm minimizes the number of payments needed. A owes B, B owes C? Now A just pays C directly.
Debt simplification
Greedy algorithm reduces complex webs of debt to minimal transfers.
Cross-group netting
Debts across multiple groups auto-netted for the simplest settlement path.
One-tap settle
Record a payment with a single tap. Both parties notified instantly.
Multi-currency settle
Settle in any currency. Cross-currency debts converted automatically.
Groups and friends, organized
Whether it's a trip with 12 people or splitting rent with a roommate, every relationship has its own clean space.
Group expenses
Create groups for trips, households, events. Invite members with a tap.
1-on-1 tracking
Track expenses with individual friends. Clean, simple, personal.
Group avatars
Personalize each group with custom avatars. Spot them at a glance.
Activity timeline
Full chronological view of every expense, settlement, and change.
The details that matter
Receipt attachments, real-time notifications, transaction comments, and more. Every small feature adds up.
Receipt photos
Attach photos of receipts to any transaction. Proof when you need it.
Push notifications
Instant alerts when expenses are added or settled. Stay in the loop.
Comments
Discuss transactions with your group. Resolve questions in-context.
Categories
Tag expenses by category for easy filtering and spending insights.