Big update coming soon Private iPhone beta · Free to join

Money, finally
at peace.

ZenPense helps you track expenses, budgets, debts, shopping, trips, savings goals, and everyday money habits with a calm, privacy-first iPhone experience.

Join the iPhone beta Explore what's coming
Native iOS Face ID app lock Private by design No ads ever
scroll
The ZenPense way

A money app should feel like a zen garden — not a trading floor. The lotus grows out of muddy water and blooms clean. Your finances can too.

PRINCIPLE 01

Calm by default

No red alerts. No guilt streaks. No charts screaming at you. ZenPense tells you what matters, quietly, and trusts you with the rest.

PRINCIPLE 02

Private by architecture

Your data lives on your phone first. Sync is optional, your assistant never sees card numbers, and nothing is ever sold. Not a promise — a design.

PRINCIPLE 03

Complete by design

Spending, budgets, subscriptions, goals, and net worth in one place — so you never need a second app, a spreadsheet, or a guess.

What's coming next

ZenPense is growing,
quietly and on purpose

ZenPense is expanding beyond expense tracking into real-life money management — without losing its calm, private, on-device-first foundation.

Appearance & Liquid Glass

Choose Light, Dark, System, or Time-Based themes, with an optional Liquid Glass-inspired interface for a more fluid ZenPense experience.

Next update

Subcategories

Go deeper than broad categories. Track Health & Medical by Pharmacy, Doctor, Gym & Fitness, Mental Health, and more.

Next update

Travel Mode

Plan trips, set budgets, track expenses in different currencies, and review where your money went during each journey.

Coming soon

Quit Tracker

Break habits and see the money you save. Missed a day? Your streak resets, but your progress stays.

Coming soon

Shopping & Grocery

Create grocery lists, add items to cart, track item-level spending, and reuse common purchases next time.

Coming soon

Share Budget

Export clean budget summaries as image, PDF, text, or CSV so friends and family can view them anywhere — even on Android.

Coming soon

Debts

Track money you lent or borrowed with friends and family without mixing it into normal income or expense reports.

Coming soon
The five tabs

One home for every
financial question

Everything you need to understand, plan, and grow your money — in five simple tabs.

June Private on-device
Cash left to spend
$1,946of $5,200
Income $6,200 +8% vs last month
Needs attention

Shopping is pacing 18% over budget.

Spending by category$4,254
78% of income
Shopping$1,87244%
Dining$1,35032%
Transport$78018%
Bills$2526%
Recent transactionsSee all
Coffee shopToday, 8:41 AM−$4.75
Coming soon to this tab
Quit streak Trip in progress Grocery cart Debt reminder
Designed for real-life money

Money is not just transactions. It is trips, habits, groceries, shared plans, people you owe, people who owe you, and goals you are quietly building toward.

Travel Mode

Coming soon

Plan your trip, choose a destination, set a trip budget, and track expenses in local or foreign currency. ZenPense keeps trip spending separate so you can review each journey clearly.

  • Destination planning
  • Trip budget
  • Multi-currency expenses
  • Past trip summaries
  • Map-inspired visual memory

Grocery & Shopping

Coming soon

Instead of only seeing "Groceries ₹1,400", ZenPense can show what made up that total — milk, rice, fruits, snacks, and more.

  • Grocery cart
  • Item-level expense breakdown
  • Wishlist
  • Reusable item suggestions
  • Purchase history

Quit Tracker

Coming soon

Track the financial impact of quitting habits like junk food, impulse spending, or unnecessary purchases. ZenPense encourages recovery instead of punishing missed days.

  • Current streak
  • Best streak
  • Total saved
  • Milestones
  • Encouraging reset flow

Debts

Coming soon

Lending money is not the same as spending. Borrowing money is not the same as income. ZenPense tracks debts separately so reports stay accurate.

  • They owe me
  • I owe them
  • Due dates
  • Person-based grouping
  • Settlement tracking
Everything included

Quietly powerful,
down to the details

Thoughtful features work quietly in the background and give you clarity when it matters most.

Capture without friction

Data flows in from everywhere

Adding expenses by hand is why budgets die. ZenPense removes the friction, then lets you review before anything is saved.

  • CSV and PDF statement import
  • Receipt forwarding to your personal alias (limited beta)
  • Share extension from any app
  • Siri, Shortcuts, and Control Center
StatementsCSV & PDF
EmailLimited beta
ShareFrom any app
SiriShortcuts
ReviewThen import

Subscription radar

Every recurring charge tracked, with upcoming-renewal alerts before money leaves your account.

Awareness

Budgets & goals

Weekly or monthly budgets with auto-tracked spend, plus savings goals you can actually watch grow.

Planning

Multi-currency, native

Spend in yen, get paid in dollars, save in rupees. Rates refresh automatically; one base currency keeps it sane.

Everyday

Widgets everywhere

Home Screen, Lock Screen, and Control Center (iOS 18+) — balance, budget, and today's spend at a glance.

At a glance
Private by architecture

Your financial life stays yours.

On-device first, optional sync in beta, Face ID app lock, privacy shielding, two-factor security, and one-tap permanent deletion. New-device login emails are still being tested. No ads. No data sales.

Your data, portable

Export everything as JSON or CSV through the iOS share sheet, any time.

ZenAI assistant

Ask your money
anything

A conversational assistant that knows your finances — not the internet's. Account and card numbers never leave your phone, and AI features run only with your explicit consent.

It also works quietly in the background — generating spending insights you didn't think to ask for, like a financial advisor who never sends an invoice.

How much did I spend on dining last month?
You spent $284 on dining in May — about 9% less than April. Most of it (62%) was weekday lunches near campus.
Can I afford the ¥48,000 flight to Osaka?
That's ≈ $305. Your travel goal has $410 saved and you're pacing $130 under budget this month — so yes, comfortably. 🌸
▲ private by design · AI with consent only
Roadmap

Built in phases,
not rushed

A look at what we're working toward. These are planned updates rolling out gradually during private beta — not all live today.

Phase 1

Visual upgrade

  • Light, Dark, System & Time-Based appearance
  • Optional Liquid Glass-inspired style
  • Better contrast & accessibility polish
Next update
Phase 2

Smarter organization

  • Subcategories
  • Category detail screens
  • Better category picker
  • Budget-category linking
Planned
Phase 3

Life money tools

  • Debts
  • Quit Tracker
  • Shopping & Grocery
  • Wishlist
  • Reusable grocery suggestions
Coming soon
Phase 4

Travel & sharing

  • Travel Mode
  • Multi-currency trip expenses
  • Budget export & share
  • Trip summaries
Planned
0s
to log an expense
0+
asset classes tracked
0+
currencies, auto-FX
0
ads. forever.
Early access

A calmer money life
is almost here

ZenPense is preparing for a small iPhone beta. Request a TestFlight invite to help shape it, or simply get one quiet note when the public launch is ready.

Built for iPhone Invites sent in waves No noisy newsletter
Private beta · opening in waves

Choose your kind of early.

Tell us how involved you want to be. Both paths are free, and you can change your mind anytime.

I'm interested in

Your email stays private. Sending opens a ready-to-go email request.

Questions

About the
upcoming update

Are these new features live today?
These features are part of the upcoming ZenPense update and may roll out gradually during private beta.
Is ZenPense available on Android?
ZenPense is currently focused on iPhone. Shareable budget summaries can still be sent to anyone, including Android users.
Does debt tracking affect my expense reports?
No. Debts are planned to be tracked separately so lending and borrowing do not distort income or expense analytics.
Will Travel Mode support foreign currencies?
Yes. Travel Mode is planned to support multi-currency trip expenses with converted totals.
What happens if I miss a day in Quit Tracker?
Your current streak resets, but your total saved amount, best streak, and past progress remain.
Can groceries be tracked item by item?
Yes. The planned Shopping & Grocery feature is designed to track individual items and remember common purchases.
Is ZenAI required?
No. ZenAI remains opt-in. Your data stays on-device first, and AI features run only with your explicit consent.