zpent

Zpent is a personal finance app that takes the friction out of tracking your spending. Upload a PDF, CSV, or XLSX from any bank, and Zpent instantly categorizes every transaction using AI that learns from your corrections. With 17 smart default categories and unlimited custom ones, you get an accurate picture of where your money goes — in seconds, not hours. Three features change how you think about money day-to-day: Safe to Spend shows you one clear number — exactly how much you can comfortably spend right now, factoring in your budget and upcoming commitments. The Expense Heatmap gives you a color-coded calendar view of your spending patterns, so you can instantly spot which days and weeks drain your wallet. And the AI Assistant lets you ask plain-English questions about your finances — "How much did I spend on restaurants last month?" or "Am I on track with my grocery budget?" — and get instant, accurate answers grounded in your actual data. Duplicate detection, multi-currency support (150+ currencies), AI-suggested budgets based on your actual history, and live budget dashboards are all included. Privacy is a first-class feature, not an afterthought. All data is encrypted in transit (TLS 1.2+) and at rest (AES-256). Zpent is fully GDPR compliant, hosted on SOC 2 Type II infrastructure, and your financial data is never used to train AI models. You stay in control — because your money is nobody else's business.