# Inzolo review > Zero-based web budgeting with an approval queue for imports and debt payoff planning. Source: https://budgetingapps.org/apps/inzolo (researched 2026-10-16). Research-based review, not hands-on testing. *The original Inzolo (an envelope budgeting site from around 2010) is still online at legacy.inzolo.com, where a banner says it is now EnvelopeBudget. This listing covers the current inzolo.com app, a newer zero-based product.* ## Summary Inzolo is a web-based zero-based budgeting app with envelope rollover, a review queue for Plaid, SimpleFIN and file imports, and a debt payoff planner. Its Priority Ladder is still in development. Pricing is inconsistent across current vendor pages: the pricing page lists $30/year or $5/month with a card-required 30-day trial, while the changelog says free during early access. **Best for:** People who want a calm, zero-based web budget with a review queue for imports and a debt payoff planner, and who are comfortable trying an early-stage app ## Key facts - Website: https://inzolo.com/ - Price: $5/month; $30/year - Rating: 2.4/5 - Free plan: no - Free trial: 30 days; card required - Platforms: Web - Budgeting method: Zero-based, Envelope - Bank sync: Plaid or SimpleFIN connections, plus CSV and OFX/QFX file import; imports go to an approval queue first - Mobile apps: Web only; the web app is described as responsive on phones. A native iOS companion is on the roadmap. - Import: CSV with a reusable column mapping, OFX/QFX files, and bank connections; exact duplicates are filtered - Team: Maker not named on the current site; its terms cite Utah law - Privacy: Policy (updated 2026-06-23): no sale of data, no advertising trackers, passkeys supported, export and deletion on request, HTTPS in transit. No at-rest encryption statement or audit found. ## Features - Envelope budgeting: yes - Automatic bank sync: yes - Manual transaction entry: not confirmed - Goal tracking: not confirmed - Debt payoff tools: yes - Investment tracking: not confirmed - Bill reminders: yes - Reports & charts: yes - Multi-currency: not confirmed - Shared / household budgets: not confirmed - Separate logins for shared budgets: not confirmed ## Pros - Zero-based envelopes with a Ready to Assign figure, category groups, rollover and one-tap move-money to cover overspending, per the vendor home page. - Every import (bank link, CSV or OFX/QFX) lands in one review queue; nothing changes a balance until approved. - Debt payoff planner compares snowball and avalanche, with payoff date and interest projections (vendor-described; not tested). - Bank connections through Plaid or SimpleFIN plus CSV and OFX/QFX imports, with duplicate filtering. - Privacy policy says data is not sold or used for advertising; passkeys, export and deletion are documented. - Rules and approved history categorize first; AI is described as fallback, with human approval required. ## Cons - Pricing pages conflict: homepage and /pricing list $30/year or $5/month after a 30-day trial requiring a card, while the Oct 6 changelog says free during early access. - Web only; the native iOS app is on the roadmap, not available today. - Priority Ladder is explicitly in development, not shipped. - No dated release record before June 23, 2026 launch; independent coverage remains sparse. - Privacy policy describes HTTPS and separated provider credentials but not encryption at rest or an independent audit. - No reconciliation workflow or recurring-bill setup is documented. ## Our review ### Short version Inzolo is a web-based zero-based budgeting app: assign every dollar to envelopes, import transactions through a bank link or file, then approve them in one review queue. It also lists a snowball/avalanche debt planner, reminders and reports. The Priority Ladder remains in development. **Research-based, not hands-on.** Reviewed from public vendor pages and independent search results; I did not create an account, start a trial or connect a bank. ### Cost The current pricing page lists $30/year or $5/month, with a 30-day trial requiring a card. However, the Oct. 6, 2026 changelog says Inzolo is free during early access. The pages conflict; confirm the checkout terms before relying on the displayed price. ### What stands out Zero-based envelopes roll over, and imported entries from Plaid, SimpleFIN, CSV or OFX/QFX wait in a review queue for approval. The vendor describes rules-first categorization with AI as a fallback. The debt planner compares snowball and avalanche payoff paths. The Priority Ladder is explicitly marked in development, not a shipped feature. ### Privacy and availability The privacy policy says data is not sold or used for advertising, supports passkeys, and allows export and deletion requests. It describes HTTPS and separate storage for provider credentials, but I found no at-rest encryption statement or independent audit. The current product is web-only; native iOS remains on the roadmap. ### Not confirmed Hands-on reliability, independent security audit, and whether the free early-access terms still apply alongside the paid pricing page. ### Notes The current inzolo.com product is distinct from the older Inzolo site at legacy.inzolo.com. Ratings are set separately against a shared rubric. ## Sources - [Vendor homepage](https://inzolo.com/) (retrieved 2026-10-16) - [Vendor pricing page](https://inzolo.com/pricing) (retrieved 2026-10-16) - [Vendor changelog](https://inzolo.com/changelog) (retrieved 2026-10-16) - [Vendor privacy policy](https://inzolo.com/privacy) (retrieved 2026-10-16)