A personal money manager that tracks daily spending, brings every account into one place, keeps budgets on track, and shows your net worth at a glance. On iOS, Android, and the web.
Your financial life is scattered across apps you never open together.
Balances live in one app, the credit card in another, cash nowhere at all. By the time you've added it up by hand, the month is over and the picture is already stale. Most budgeting apps describe the past and predict nothing.
- Accounts split across banks, cards, wallets, and cash.
- Manual tracking that's tedious enough that you stop doing it.
- Budgets that are fixed while your income is not.
- No single, honest answer to 'what am I actually worth?'.
One place for your whole financial life.
Spenzo brings every account together, makes logging a spend take seconds, and turns the result into clear insights: where the money goes, whether you're inside your budgets, and how your net worth is moving. Built privacy-first, and honest with the numbers.
- Every balance in one view, without switching apps.
- Quick manual entry with smart categories, or let auto-capture do it.
- Budgets you set per category and track in real time.
- A live net worth built from numbers computed in code, not guessed.
What Spenzo does.
Automatic insights
See spending patterns and income trends at a glance, so you know exactly where your money goes.
All accounts in one place
Banks, cash, credit cards, and wallets. Every balance, without switching apps.
Budgets that fit you
Set limits per category and track how much you've spent or saved in real time.
Track everything
Income, expenses, loans, assets, and investments, your whole financial life in one ledger.
Net worth at a glance
Watch your net worth grow month over month with clear, honest numbers.
Your data, your control
Built privacy-first. We don't sell or share your financial data. Ever.
How it's put together.
Every layer exists because a guarantee demanded it.
Clients
Flutter on iOS and Android, Next.js on the web. One API contract, so a feature ships everywhere at once.
FlutterNext.jsSync
Accounts and transactions normalised into a canonical shape, then deduplicated against what's already stored.
GoCompute
Net worth, budgets, and trends are aggregated deterministically in code, never estimated. Every insight traces to the transactions behind it.
GoPostgreSQLStorage
Postgres for the ledger, with financial data encrypted per-user. Nothing you own is sold or shared, and you can export or delete all of it.
PostgreSQL
Spenzo is running today.
Open the real product and try it yourself, at spenzo.synopshq.com.
LiveQuestions, answered directly.
What exactly does Spenzo do?
Do I have to add every expense manually?
Is my financial data safe?
Which platforms are supported?
Ready to try Spenzo?
It's live today. Open the app and see it for yourself.