Tools that make money simple
No complicated spreadsheets. No confusing jargon. Just smart, friendly tools designed to help real people get ahead financially.
Debt Payoff Planner
See all your credit cards, loans, and debts in one place. Choose snowball, avalanche, or a custom strategy — Zeni shows you exactly when you'll be debt-free and how much interest you'll save.
Spending Tracker
Automatically categorizes your transactions so you can see exactly where your money goes. Beautiful, easy-to-read charts highlight your top spending categories.
Savings Goals
Set goals for emergencies, travel, big purchases, or anything else. Track your progress with visual milestones and get gentle nudges to keep saving.
AI Money Coach
Get personalized tips based on your spending habits. Zeni spots patterns you might miss and suggests simple ways to save more every month.
Bill Tracker
Never miss a payment again. Zeni tracks your upcoming bills, sends reminders before they're due, and helps you avoid late fees.
Smart Notifications
Friendly alerts when you're close to budget limits, when bills are due, when you hit debt milestones, or when something looks unusual.
Net Worth Tracker
See your complete financial picture — assets minus debts — and watch your net worth grow over time as you pay down debt and build savings.
Bank-Level Security
Your data is protected with 256-bit encryption, the same security used by major banks. We never sell your personal information — ever.
Instant Account Sync
Connect your bank accounts, credit cards, and loans in seconds. Balances and transactions update automatically so you always have the latest picture.