Crush your debt. Own your future.
Zeni helps you see exactly where your money goes, build a plan to pay off debt faster, and finally feel in control of your finances — no finance degree needed.
People taking control
Debt paid off by users
App Store rating
Finally, a money app that actually helps
No confusing jargon. No judgment. Just smart tools that make managing money and paying off debt simple.
Debt Payoff Planner
See all your debts in one place. Zeni builds a personalized payoff plan — snowball, avalanche, or custom — and shows you exactly when you'll be debt-free.
Smart Money Insights
AI analyzes your spending patterns and gives you easy-to-understand tips to save more and spend smarter. Like a financial advisor in your pocket.
Savings Goals
Set goals for emergencies, vacations, or anything else. Zeni automatically tracks your progress and nudges you to stay on track.
Spending Tracker
Connect your accounts and see where every dollar goes. Beautiful charts make it easy to spot where you can cut back.
Your Data, Locked Down
Bank-level 256-bit encryption keeps your information safe. We never sell your data — ever. Your finances are your business.
Smart Alerts
Get friendly heads-ups about upcoming bills, unusual spending, and when you hit milestones on your debt-free journey.
Three steps to debt freedom
Connect your accounts
Link your bank accounts and credit cards in seconds. We'll pull in your balances and transactions automatically.
Get your plan
Zeni analyzes your debts and builds a personalized payoff strategy that fits your budget and timeline.
Watch your debt shrink
Follow your plan, track your progress, and celebrate every milestone as you get closer to $0.
Your debt-free life starts today
Join 250,000+ people who are already on the path to financial freedom. Your first month is free — no credit card required.
Start Your Free Month