Smart Expense Tracking Log every transaction in seconds via voice, receipt scan, or manual entry. Auto-categorization keeps everything organized.
AI Money Coach, Zara Your personal AI coach powered by Claude. Ask anything. She gives specific, data-backed advice, not generic tips.
Budget Management Set monthly limits per category. Predictive warnings alert you before you overspend, not after. Real-time tracking, all month.
Savings Goals Set goals with deadlines and track real progress. Zara tells you exactly how much to save monthly to hit each one on time.
Multi-Wallet Management Track all your accounts and wallets in one place. Switch seamlessly between personal and business financial profiles.
Financial Health Score Get a real 8-factor score on how healthy your finances are, with specific and ranked action steps to improve it.
Debt Tracker Track every debt with avalanche and snowball payoff strategies, full amortisation tables, and Zara-powered path recommendations. (Pro)
Subscription Manager Every recurring charge in one view. Spot what to cancel, track renewal dates, and stop getting surprised. (Pro)
Weekly & Annual AI Reports Zara writes you a personalised weekly financial briefing and a deep-dive annual report with specific insight into your real trends. (Pro)
Challenges & Rewards Earn XP, unlock badges, and build streaks. Gamified habits that make good money behaviour stick for the long term. (Pro)
Cash Flow Forecast See your projected financial picture weeks ahead. Plan for upcoming bills, big purchases, and irregular income before they arrive.
Invoice, P&L & Tax Tools Track invoices, run profit-and-loss statements, generate expense reports, and produce tax summaries, built for freelancers and founders. (Pro)
Money Mirror See exactly where your current habits lead you in 1, 5, and 10 years, with an optimized path Zara builds for you. (Pro)
Net Worth Tracker Every asset against every liability, in one number that moves. The only stat that tells you if you are actually getting richer. (Pro)
Financial DNA Answer a few questions about how you spend and get one of 12 behavioral archetypes, scored across 7 dimensions. Built to share. (Pro)
Payday Mode The day your paycheck lands, Xpenvo walks you through bills, a suggested savings transfer, and a budget check. One ritual, every payday. (Pro)
Bill Calendar Every upcoming bill on one calendar view, so nothing due next Tuesday surprises you next Tuesday.
Split Expenses Split a bill and send a link. Whoever you send it to can see it and settle up without ever creating an Xpenvo account.
