Personal finance, without the spreadsheet
Know where your money goes.
ZenFi brings your accounts and spending into one clear picture, so you can understand your habits, stay ahead of your expenses, and make better decisions with your money.
Built for the way Nigerians actually manage money.
Your money is everywhere.
Your understanding of it shouldn't be.
Your salary comes into one account. Subscriptions leave another. You transfer money to savings. You pay bills from somewhere else.
Then at the end of the month, you're left wondering where everything went.
ZenFi brings it together.
Salary account
Money in
Second bank
Card spending
Savings
Transfers out
Fintech wallet
Daily spending
Bills
Rent, power, data
Cash
Whatever's left
One clear picture
Money in
₦420,000
Money out
₦236,080
Left
₦183,920
Where did my money go?
Every transaction tells part of the story.
ZenFi organises your spending so you can see exactly where your money is going, without entering every purchase by hand. Transfers between your own accounts are recognised for what they are, so moving money doesn't look like spending it.
Transactions
832 transactions
Shoprite
Groceries · GTBank
MTN
Airtime & data · Kuda
Bolt
Transport · GTBank
Chicken Republic
Food · GTBank
Uber
Transport · Kuda
To my savings
Self transfer · Kuda
Not spending
Am I spending more than usual?
ZenFi looks beyond individual transactions.
It helps you spot changes in your habits — more on food this month, more rides than usual, or subscriptions quietly adding up.
You spent ₦32,400 more on eating out this month.
Spending trends
In
₦420,000
Out
₦236,080
Net
+₦183,920
Money in vs money out
26% of spending · up 24% vs July
18% of spending
16% of spending
What bills are coming?
Some expenses are easy to forget because they don't happen every day.
ZenFi identifies recurring payments so you can see what's coming before it hits your account.
Recurring
₦61,500 a month, across 5 payments
Netflix
Renews in 4 days
Home internet
Renews in 8 days
MTN data
Renews in 12 days
Spotify
Renews in 19 days
Gym
Renews in 26 days
Two payments land before your salary does.
Can I afford this?
A budget should help you make decisions, not make you feel guilty.
Set realistic limits and watch how you're tracking through the month — while there's still time to change course.
Budget
August · 9 days left
₦133,000
of ₦180,000
₦47,000 left — about ₦5,200 a day.
Am I actually getting better with money?
Looking at one transaction doesn't tell you much. Looking at your money over time does.
ZenFi measures each category against its own history and projects where the month lands, so you can see the direction while you can still change it.
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.
You shouldn't have to check your finances every day.
ZenFi watches the patterns for you and brings the important changes to your attention. No badge spam, no daily guilt trips, no streaks engineered to farm your attention.
If it isn't worth interrupting you for, we don't.
Your food spending is 22% higher than usual this month.
Your Netflix subscription renewed today — ₦7,000.
You've used 80% of your entertainment budget, with 9 days to go.
You spent less this week than you normally do. Nice.
Money here doesn't move in a straight line.
Salary lands in one bank. Rent leaves in a lump. You move money to savings and back again. A good part of your spending is a transfer to a person, not a card swipe at a merchant.
Your bank already tells you
Every debit comes with an alert. ZenFi can read those alerts, by SMS or from your email, and turn them into transactions.
Statements, read properly
Bring your history in as a PDF, CSV or XLSX. Every supported bank has its own reader, because no two of them lay a statement out the same way.
Naira, not a conversion
Airtime and data, transport, subscriptions billed in naira — priced and read in the currency you actually earn in.
The costs that matter here
Rent paid a year at a time. School fees. Money sent home. The things a monthly budget built elsewhere doesn't expect.
Works with the banks you already use.
ZenFi reads statements from 20+ Nigerian banks and wallets, each one handled in its own format rather than a generic importer that gives up on the details. Alerts from all are read as they arrive.
Your money is private.
ZenFi is built around a simple principle: your financial data belongs to you.
- We don't sell your financial data.
- We don't use your financial data to train shared AI models.
- Sensitive fields — amounts, balances, account details — are encrypted in our database, and every connection to your device is encrypted in transit.
- You can export everything, and you can delete your account and your data.
Start seeing your money clearly in minutes.
Create your account
Sign up with your email. That's the whole first step.
Connect your accounts
Securely connect your financial accounts, or bring your history in as a statement.
Let ZenFi organise the picture
Your transactions are categorised and your financial activity starts making sense.
Check in when it matters
ZenFi surfaces the patterns, changes and expenses worth your attention. The rest can wait.
You don't need to think about money all day.
You shouldn't need a spreadsheet to know whether you're doing okay.
You shouldn't need to write down every transaction.
And you shouldn't have to wait until the end of the month to find out you spent too much.
ZenFi exists to give you the right information at the right time.
Less tracking.
More understanding.
Less guessing.
More clarity.
Less financial noise.
More intention.
Stop wondering where your money went.
Start seeing your money clearly.
Available on iOS and Android.