balanzo

Understand your money and make better everyday financial decisions with Balanzo.

Balanzo brings personal finance tracking, receipt scanning, planning, German financial calculators, shared expenses and optional AI explanations together in one clear app.

MANAGE YOUR MONEY

• Record income and expenses • Track bills, subscriptions and existing loans • Organise transactions by category • See available money and monthly commitments • Create savings goals and spending plans • Manage shopping lists and planned purchases

SCAN RECEIPTS PRIVATELY

Use the native document scanner to detect receipt edges, correct perspective and prepare a clear image. On-device OCR extracts the merchant, total and individual items for your review.

Receipt images and raw recognised text remain on your device.

UNDERSTAND GERMAN FINANCES

• Calculate estimated gross-to-net salary • Explore German tax classes I to VI • Understand church tax and social insurance • Review health, care, pension and unemployment contributions • View year-specific allowances and contribution limits • Learn financial terms through English and German explanations

PLAN BEFORE YOU SPEND

Use affordability tools to understand how a purchase or monthly payment may affect your available money, commitments and savings goals.

ASK BALANZO

Ask questions about your budget, spending and financial priorities. Balanzo uses deterministic calculations for exact results and optional AI for clear explanations.

Online AI requires your consent and uses only the minimum financial summary needed for your question.

SPLIT AND SHARE

Create Shared Spaces for trips or households.

• Invite other members • Add structured shared expenses • Claim receipt items • Choose fair splitting rules • Vote on planned purchases • Track balances • Request and confirm settlements

Balanzo does not hold or transfer money. Settlements are records confirmed by members.

PRIVATE BY DESIGN

• Personal finance records are stored in an encrypted local vault • Protect access with a password, PIN and optional biometrics • Receipt images and raw OCR stay on-device • Online AI is optional • Delete your local data and account from within the app • Available in English and German

Balanzo is a personal budgeting, organisation and educational tool. It does not provide banking, lending, payment, investment, insurance or tax-filing services. Calculations and AI explanations are estimates and are not a substitute for professional financial or tax advice.