Zentavo

Track spending, crush debt, and build savings — all without linking your bank account. Your data stays on your device.

Zentavo is a personal finance app that puts you in control of your money — without linking your bank accounts. Track your income and expenses, set monthly budgets by category, manage subscriptions, and build a clear picture of your financial health. Zentavo also helps you tackle debt with built-in Snowball and Avalanche payoff strategies, showing you exactly how long it will take to become debt-free and how much interest you'll save. Features:

Dashboard with net worth, savings, and budget tracking at a glance Category-based budgeting with auto-calculated totals Individual subscription tracking with billing dates and due reminders Debt management with Snowball and Avalanche payoff comparisons Savings goals to help you plan for what matters Income calculator for hourly workers with multiple income sources Weekly and monthly spending charts Day streak to keep you engaged with your finances Dark theme designed for comfortable daily use All your data stays on your device — no bank login required

Whether you are paying off debt, building savings, or just trying to understand where your money goes, Zentavo gives you the tools to take control.