How do I set up a budget in ZenFi?

Choose a category and set a limit once. ZenFi suggests a starting figure from your own spending history, then counts every transaction against it automatically.

Can I budget weekly instead of monthly?

Yes. You can run a budget weekly or monthly, to match how your money actually arrives.

Do I have to update my budget by hand?

No. After you set the limit, every transaction counts itself, so the figure you check is a live one rather than something you last updated a fortnight ago.

How does ZenFi show how I'm doing against my budget?

It writes it out in plain English: which categories are under, which are over, and by how much. Every statement is tied to your own figures, so you can go straight to the transactions behind it.

Does ZenFi tell me what to do with my money?

No. ZenFi isn't a coach. It tells you what happened and where your budget stands, and leaves the decisions to you.

Will ZenFi send me lots of budget notifications?

No. It only interrupts you when it's worth it, like an unusual charge, a budget under real pressure, or a payment about to land. Any notification you don't want can be switched off.

Budget planner app for NigeriaKnow what's left before you spend it

You set a limit once. ZenFi counts every transaction from your bank alerts, already sorted into categories, so the number you check is live and you know where you stand in time to act.

New budget

Food

WeeklyMonthly

Limit

₦100,000

Suggested from your spending history

₦74,000 spent₦26,000 left

Counted automatically from every transaction.

Automatic weekly and monthly budgetsSet the limit once; the running total is handled.

You decide what a category is worth to you. From then on the tracking is automatic, and the number you check is a live one rather than something you last updated a fortnight ago.

A decision, not a spreadsheet: You make the budget once instead of maintaining it. Every transaction after that counts itself.
Built from what you actually spend: ZenFi suggests a limit from your own history, so the figure starts somewhere realistic instead of somewhere aspirational you abandon in week two.
Weekly or monthly: Run a budget over the period that matches how your money arrives, rather than forcing everything into a calendar month.

How spending is sorted into your budget categories

Your budget this month

August · 9 days left

Food and Transport are under budget. Entertainment has ₦9,000 left with 9 days to go.

Food₦26,000 under
Transport₦12,000 under
Entertainment₦9,000 left

Budget tracking in plain EnglishThe state of your budget without reading a chart.

ZenFi writes out where your budget actually stands in plain English: which categories are under, which are over, and by how much.

It states, it doesn't lecture: ZenFi is not a coach. It tells you what happened and leaves the decision to you, with no advice and no verdict on what you should have done.
Numbers you can check: Every statement is tied to your own figures, so you can go straight from the sentence to the transactions behind it.
Plain language: Naira, short sentences, real category names. Nothing you need to interpret before it's useful.

See every transaction behind your budget

ZenFinowUnusual charge: ₦45,000 at an electronics store, more than you usually spend there.

ZenFi9:40 amYour Entertainment budget is 70% used, with 9 days to go.

ZenFiThursdayYour ₦7,000 Netflix renewal lands tomorrow, before payday.

We miss you! Come backNever sent

Budget alerts that don't nagInterrupted only when it's worth it.

Most finance apps treat your lock screen as a growth channel. ZenFi has a high bar for using it, so a notification from us is worth reading.

Only when it matters: Unusual charges, a budget under real pressure, a payment about to land. Not a daily reminder that the app exists.
No manufactured urgency: Nothing is invented to get you to reopen the app. We would rather you trusted the alert when it does come.
Yours to turn off: Anything that isn't earning its place on your lock screen can be switched off.

See which bills land before payday

Under the hood

The features behind budgeting.

Questions about budgeting

Anything else, email support@usezenfi.com.

Stop wondering where your money went.

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Available on iOS and Android.