Keep track of your money —on your own or as a couple— without the hassle. Log an expense in seconds from the app or over WhatsApp, and see where your money goes, no judgment.
14 days free · then $1/mo, the price of a coffee
See where your money goes at a glance. Balance, income and expenses, no noise or accounting jargon.
Each with your own accounts, shared expenses flagged. Zoldi works out who owes whom, no arguments.
Text Zoldi like any other contact: “expense 50000 groceries”. It shows you the details, you reply yes, and it's saved.
Ask where your month went or how much you've spent on groceries. It also categorises what you log and sums up your month in a sentence.
The split follows what each of you earns, not a blunt 50/50. Whoever overpaid gets it back at settle-up.
Cash, bank and card balances in one view, plus what's coming: you know if you'll make it to month-end before it arrives.
Cap a category and we'll tell you the moment you go over, so you don't have to keep checking. And save for that trip while watching how much is left.
Rent, salary, subscriptions: set them once —weekly, fortnightly, monthly or yearly— and they show up on time.
Install it as an app on your phone. Out of data? You still log, and it syncs when you're back online.
Email and password, that's it. 14 days free and no card to get started.
From the app or by texting Zoldi on WhatsApp. If you live as a couple, invite your partner and each logs from their own phone.
Your month by category, the cash that's coming, and —if there are two of you— who owes whom.
The price of a coffee. For you or for both.
Zoldi is a personal finance app to track your expenses and income simply —on your own or as a couple. You log a transaction in seconds and see where your money goes, with no spreadsheets or hassle. It costs about the price of a coffee per month.
You get 14 days free to try it. After that, $1 USD per month (or the equivalent in your local currency). No contracts and no lock-in: cancel whenever you want.
No. To get started you log your expenses and income by hand, in seconds, without giving access to your bank. Later you'll be able to connect your accounts to sync automatically, if you prefer.
It works for both. You can use Zoldi 100% on your own. And if you want, you invite your partner to share expenses, keep the books clear and save toward goals together.
You invite your partner and you both decide what to share: you can view household expenses together, split bills fairly and track common goals (a trip, the rent, whatever), each from your own phone.
Yes. Your information is yours: we handle it with encryption and in line with data protection law (Habeas Data in Colombia). We don't sell your data or flood you with ads.
Zoldi works from the browser and from your phone. You can install it as an app on iPhone or Android and use it like any other, even with no signal: whatever you log syncs once you're back online.
We're starting in Colombia and Latin America, with pesos and other local currencies, and we're growing to more countries. You can track your money in your currency.
Yes. You text Zoldi like any other contact —for example “expense 50000 groceries”— and it replies with the details: amount, category, account and whether it's personal or shared. You confirm with a “yes” and it's saved. If something's off, fix it with a single word: “account Nequi”, “shared”, “paid Sara” or “yesterday”.
Three things: it categorises what you log, sums up your month in one sentence on your home screen, and answers questions about your own money (“where did my month go?”, “how much have I spent on groceries?”). Always from your data, never inventing figures. If you'd rather not use it, the app works fine without it.
By default, in proportion to what each of you earns, not 50/50. If one of you brings in 60% of the household income, they take on 60% of the shared expenses. You log each person's income (or Zoldi takes it from your transactions), and at month-end it tells you exactly how much one owes the other. If you'd rather split evenly, you can.
You don't have to maintain it. You log in seconds from your phone or over WhatsApp, fixed expenses repeat themselves, categories get assigned automatically and the split with your partner is worked out for you. You also get a cash view with what's still coming — something you'd have to rebuild by hand in Excel every time.
Yes, that's the Cash view: it combines your account balances with the movements you already know are coming (rent, salary, instalments) and shows how your money looks day by day. And if you're heading into the red in the next few days, it warns you on WhatsApp before it happens.
Yes. Set a monthly cap on a category —groceries, eating out, whatever— and Zoldi tells you by email and WhatsApp the moment you go over, once a month so it doesn't nag. When you ask about your budgets it also flags the ones already above 90%. To save, create a goal with its target and watch how much you've put aside and how much is left.
Set them once and they show up on their own: rent, salary, subscriptions, instalments. You can make them weekly, fortnightly, monthly or yearly, and they get logged on time without you opening the app.
Yes. Import your transactions from a CSV file and Zoldi creates any missing categories. You can also export everything whenever you want: your history is yours and you can take it with you.
From Settings, in two clicks, with no phone call or email required. There's no lock-in and no penalty: you cancel and keep access until the month you paid for ends.