Zeno — Free AI Personal Finance & Net Worth Tracker
Master your money with zero-based envelope budgeting, multi-asset net worth tracking, and debt snowball payoff calculators—without ever surrendering your bank credentials. 100% free and private.
Core Platform Capabilities
- Zero-Based Envelope Budgeting: Assign every dollar a purpose before the month begins using the 50/25/15/10 Wealth Engine (Needs, Savings, Investments, Wants) with 1-tap envelope rebalancing.
- Multi-Asset Net Worth Balance Sheet: Track real estate, crypto, vehicles, cash accounts, and debts in real-time with historical milestone trajectory charts.
- Debt Snowball & Avalanche Elimination: Mathematically compare Avalanche (highest interest first) vs. Snowball (lowest balance first) payoff schedules to become debt-free faster.
- Privacy-First Input Methods: Intentional manual logging, AI vision receipt scanning, and CSV statement imports. We never scrape or hold your bank login passwords.
- Contextual AI Financial Counsel: Personalized spending analysis, subscription pruning, and envelope health alerts.
Who Zeno Is For
The Privacy-Conscious
Users who refuse third-party financial aggregators (Plaid/Yodlee) scraping their bank logins and selling anonymized spending telemetry.
Zero-Based Budgeters
Individuals transitioning from expensive legacy apps like YNAB ($109/yr) or the defunct Mint seeking proactive cash allocation.
Debt Eliminators
Borrowers actively paying down credit cards, auto loans, or student debt using mathematical amortization schedules.
Holistic Wealth Trackers
Investors tracking diverse asset portfolios—equities, crypto, real estate, and private assets—alongside daily liquid cash flow.
100% Free Early Access Pricing
Zeno is currently 100% free ($0/month) for early-access wealth builders. No credit card required, zero subscription tiers, and no locked features.
Security & Data Sovereignty
Your financial data belongs exclusively to you. We protect your sovereignty through:
- Zero banking credential harvesting or third-party bank syncing by default.
- 256-bit AES database encryption at rest and TLS 1.3 encryption in transit.
- No user data monetization, behavioral ad targeting, or sale to credit brokers.
- 1-click complete data export (JSON/CSV) and irreversible account deletion.