Local-only Mac app for net worth, spending, investments and options tracking
- Expense tracking
- Financial management
ZenExpenses
Statement-upload expense tracker with category rules and simple monthly budgets
Research-based review, not hands-on testing. Last researched .
Overview
ZenExpenses is a web app for tracking personal spending by uploading bank statements (CSV, Excel or QuickBooks) or entering transactions by hand. It categorizes transactions with rules, shows spending charts and a heatmap, and has recently added monthly budgets per category. It also includes a calculator for splitting shared expenses with partners or roommates. It is free for now, with paid pricing planned later.
Best for: People who prefer uploading statements once a month over linking a bank account, and want expense tracking with light budgets
Pros and cons
Pros
- Works with any bank that offers CSV, Excel or QuickBooks export; no bank credentials shared.
- Rules and automatic categorization, subcategories and tags reduce repeated sorting.
- Per-category monthly budgets show what's left and warn before overspending.
- Separate split-expense calculator for couples and roommates.
- Data can be exported to CSV/Excel and the account deleted, per the FAQ.
Cons
- No bank sync; relies on periodic statement uploads.
- Vendor's own comparison page says it has no envelopes or zero-based method, although a screenshot caption mentions envelope-style budgets.
- Web only; no mobile app.
- Pricing after the free period is undisclosed.
- Interface offered only in English and French.
Features
- Envelope budgeting not confirmed not confirmed
- Automatic bank sync not included
- Manual transaction entry included
- Goal tracking not confirmed not confirmed
- Debt payoff tools not confirmed not confirmed
- Investment tracking not confirmed not confirmed
- Bill reminders not confirmed not confirmed
- Reports & charts included
- Multi-currency not confirmed not confirmed
- Shared / household budgets not confirmed not confirmed
- Separate logins for shared budgets not confirmed not confirmed
Statement import, auto-categorization rules, tags/subcategories, category budgets, split expenses, recurring expense finder, spending heatmap, AI suggestions, English/French, currency locale
Our review
Short version
ZenExpenses is a web app for tracking personal spending by uploading bank statements (CSV, Excel or QuickBooks) or entering transactions by hand. It categorizes transactions with rules, shows spending charts and a heatmap, and has recently added monthly budgets per category. It also includes a calculator for splitting shared expenses with partners or roommates. It is free for now, with paid pricing planned later.
Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.
Cost
- Free for now; future pricing not announced
- Free for now; future pricing not announced
Not confirmed
Founding year; Last release date; Future pricing; Multi-currency beyond locale formatting; PDF import; Privacy policy details.
Notes
Sign-in uses Google via Supabase.
Ratings are set separately against a shared rubric.
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