ZenpenyYour AI Finance Manager
Type, speak, or scan your expenses. Zenpeny automatically categorizes and organizes your financial life, saving you time and money.
How it Works
Type or Speak
Simply log your expenses naturally. "Spent $15 on lunch" or speak into your phone.
AI Categorizes
Our intelligent AI instantly understands the context and categorizes your transaction accurately.
Gain Insights
Visualize your spending habits, stay on top of budgets, and save smarter.
Just tell us what you spent
Log expenses via text, voice, or simply scan a receipt. Our AI automatically handles the rest.
- Voice recognition for on-the-go logging
- Natural language processing
- Automatic receipt scanning & extraction
All your finances in one place
Track multiple accounts, calculate your net worth, and strategize debt payoff in a single dashboard.
- Multi-account balances
- Live net worth tracking
- Debt payoff strategies
Chat with your finances
Ask questions about your spending, get personalized insights, and uncover hidden savings opportunities.
- Conversational financial analysis
- Anomaly detection & alerts
- Smart budget recommendations
Budget together, save together
Manage household finances, share budget envelopes, and track joint expenses effortlessly.
- Shared household dashboards
- Joint budget envelopes
- Collaborative savings goals
More Powerful Features
Smart Budgets
AI-generated budget goals that adapt based on your unique spending habits.
Spending Trends
Visualize your financial trajectory over time.
Financial Calendar
Never miss a recurring bill or subscription.
Savings Goals
Set targets and watch your progress grow.
Receipt Scanning
Snap a photo and we'll automatically extract items, amounts, and categorize them.
CSV Export
Take your data anywhere, anytime.
See How Much You Could Save
Try our interactive calculator to discover how small daily changes add up over time.
Play with your savings
Small daily changes can add up to massive rewards over time.
1. Choose your cutbacks
Add your own
Why Zenpeny?
No Bank Connection Needed
Your data stays yours. Zenpeny works without connecting to your bank — you're always in control of what you share.
Works Everywhere
Available on iOS, Android, and the web. Your finances sync seamlessly across all your devices.
AI That Actually Helps
No generic tips. Zenpeny analyzes your real spending patterns to give you personalized, actionable insights.
Choose Your Plan
Free
Perfect for getting started with AI finance tracking.
- 20 transactions per month
- 3 budget pockets
- Limited AI questions per day
- Basic spending dashboard
- No voice input
- No receipt scanning
Pro
Billed $47.90/year. Unlock the full potential of your AI finance manager.
- Unlimited transactions
- Unlimited budget pockets
- Unlimited AI assistant chat
- Voice input
- Receipt scanning
- Advanced charts & insights
- Priority support
Frequently Asked Questions
Start managing your money smarter today
Join over a thousand users who have simplified their finances with AI.
Create Your Free AccountNo credit card required to start