Zenmoney: expense tracker 8.4.0

Zenmoney OU – Freeware – Android iOS
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Rely on data-driven decision-making when managing your finances:
<ol>
 <li>A comprehensive analysis provides clear visibility into your spending habits.</li>
 <li>Historical statistics offer valuable financial insights, such as determining the amount needed for essential expenses and discretionary spending on items like coffee, books, movies, or travel.</li>
 <li>Planning tools enable you to understand how much money you have available for investment or to save towards important goals.</li>
</ol>
We understand that budgeting and expense tracking can be cumbersome and daunting tasks. Fortunately, Zenmoney is here to simplify the process, saving you time and effort.
Create a comprehensive overview of your personal finances
Zenmoney consolidates data from all your accounts and cards to provide a holistic view of your financial situation. Each transaction is automatically categorized, eliminating the need for manual expense tracking. The system ensures data security through robust encryption measures, while account balances and spending statistics are continuously updated.
Streamline your expense management
With Zenmoney, you can easily track your expenses, gaining valuable insights into where your money goes. Detailed spending statistics help you understand the necessary costs and determine how much you can allocate towards discretionary items like coffee, books, movies, or travel. Payment forecasts help identify unnecessary subscriptions or costly expenses, ensuring you prioritize wisely and eliminate unnecessary expenditures.
Stay on track with your budget
Our budgeting tools empower you to plan for both recurring and monthly expenses. The Budget section displays the amount spent in each category as well as the remaining budget. The Safe-to-Spend widget calculates the surplus funds available at the end of each month, making it easier to save for crucial goals, invest, or indulge in spontaneous purchases.
Additionally, Zenmoney offers a helpful Telegram bot! The bot can:
<ul>
 <li>Issue warnings if your financial plan is deviating.</li>
 <li>Remind you about upcoming payments and subscriptions.</li>
 <li>Highlight significant spending increases in specific categories.</li>
 <li>Provide regular updates on your financial status, including a month-to-month expense comparison.</li>
 <li>Show the disparity between your income and expenses.</li>
</ul>
If you have any feedback or suggestions, we invite you to join our Telegram chat at: <a href="https://t.me/zenmoneychat_en">https://t.me/zenmoneychat_en</a>.

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