See whether it's actually working
One transaction tells you nothing. Months of them, compared properly and projected forward, tell you whether your habits are changing or just feeling different.
This month
12 of 30 days counted
Projected by month end
₦268,000
13% above last month's ₦236,080
Food and transport are running ahead of where they were this time last month.
Catch a category growing while it's still small.
Every category is measured against its own history, so a rise shows up as a rise — even in a month where the overall total looks perfectly normal.
Compared against itself
Each category is set against its own recent average rather than a generic benchmark, which is the only comparison that means anything about your money.
It catches slow drift
The spending that hurts is rarely one big purchase. It's a category that grew a little every month for half a year without ever looking alarming.
Period against period
Compare a fortnight or a month against the one before it, so you can see the direction and not just today's figure.
Know the month-end total while you can still change it.
ZenFi projects where your spending lands by month end from the rate you're going and what your previous months looked like. Knowing on the 12th is worth considerably more than knowing on the 30th.
Projected, then compared
The projection sits against last month's actual total, so the figure comes with the context that makes it mean something.
It admits when data is thin
If your most recent transactions are several days old, the forecast says so rather than projecting confidently from a stale picture.
Per-category detail on Pro
The projected total is there for everyone. Category-level forecasts, confidence ranges and budget comparisons are part of Pro.
A few seconds a day beats a big plan in January.
Budgets rarely fail because the plan was wrong. They fail from neglect. A daily check-in is small enough to actually keep, and the streak is there to make keeping it feel like something.
Seconds, not an evening
A daily review is a glance, not a session. The point is staying close to your money, not doing admin.
Milestones you pass
Weeks and months are marked as you reach them, so a long run of consistency looks like an achievement rather than a number.
You can pick it back up
Miss a day and you carry on. A streak that shatters for good only teaches people to stop opening the app.
Stop wondering where your money went.
Start seeing your money clearly.
Available on iOS and Android.