An Agent That Watches
Your Money Every Day
Most money apps wait for you to log in. Zoninga's agent goes first — every morning it checks your bills against your balances, spots cash sitting idle, and flags spending that looks off. It only interrupts when something needs a decision, and you answer with one tap. It never moves your money.
The calculator is free and anonymous — no signup, no bank login.
Accounts are free too: no credit card, 14-day Premium trial included.
You Stop Watching. It Doesn't.
Approve a monitoring plan once — which bills to cover, the checking buffer you want, what counts as unusual. The agent takes the daily shift and, when it catches something, sends you one clear question instead of a dashboard to decipher.
What it watches
- Bill coverage — every bill due in the next week, checked against what's actually in checking
- Low balances — before an account dips under your floor, not after
- Idle cash — money sitting above your buffer that could be earning in savings
- Cash-flow shortfalls — a month projected to come up short, flagged weeks ahead
- Spending anomalies — categories running unusually hot
Check-ins on your schedule — daily, weekly, or monthly. Pause the agent anytime with one switch, and every action it takes lands in an audit log you can read.
The Plan the Agent Watches
The agent's headline number is your debt-free date. Snowball, avalanche, and six more strategies — ranked against your real numbers, then defended every day. Here's an example household with $45,000 across four debts:
Mar 2030
Example for illustration — your debts, dates, and savings will differ. The calculator takes about a minute.
From signup to hands-off in three steps
Add your accounts
Link your bank read-only through Plaid, or type balances in manually — every feature works either way. Started in the free calculator? Your debts import in one click.
Approve the plan
The agent surveys your bills, income, and cash flow, then proposes a monitoring plan — and a payoff strategy if you carry debt. You review it and approve once. Nothing runs without your sign-off.
Live your life
The agent checks in daily and asks only when something needs you. Budgets, reports, scenarios, and every underlying number stay one click away — there when you want the detail, quiet when you don't.
The Receipts, Whenever You Want Them
The agent leads with what needs you — but every number underneath is yours to inspect. Net worth, cash flow, balances, upcoming bills, and your debt-free date on one screen; income, cash-flow, and spending reports one click deeper; all of it exportable to CSV.
Stress-Test Big Decisions Before You Make Them
Thinking about financing a car or taking on a new card? Model it first. Scenarios show exactly how the move shifts your debt-free date, monthly payments, and lifetime interest — without touching your real accounts. Going through with it? One click commits the scenario for real.
Ask Your Money Anything, in Plain English
The same agent that watches your accounts also answers to you: chat on any page, review its proposals in one inbox, or connect Claude or ChatGPT directly to your data through a secure, revocable connection. “How much did we spend eating out last quarter?” “Which card should I pay off first?” Real answers from your real numbers — not generic advice.
Budgets That Flag Problems Before They Happen
Set monthly caps by category and watch them fill in real time. Smart alerts fire before you blow through a budget, not after — and unspent money can roll over into next month.
Goals You'll Actually Stick With
Emergency fund, vacation, down payment, debt payoff — set the target and watch the ring fill. Streaks, badges, and weekly recaps add just enough game to keep you showing up after the first week's motivation fades.
Connect Your Bank — or Don't
Premium syncs transactions automatically from 12,000+ banks and credit unions through Plaid, with read-only access — your login never touches Zoninga. Prefer to stay manual? Every feature works without ever linking a bank.
Built to be trusted with your money
Before you give a finance app your numbers, it should answer one question first: what happens to my data? Here's our answer.
Read-only bank access
Bank connections run through Plaid — the same connection layer behind apps like Venmo. Zoninga never sees or stores your bank login, and the connection cannot move money. Ever. The same red line binds the AI agent: it proposes, you approve, and any transfer happens at your own bank. You can pause the agent with one switch, and everything it does lands in an audit log.
Encrypted at rest and in transit
Sensitive fields are encrypted with AES-128 before they reach the database, on top of encrypted disks and HTTPS everywhere. A database leak alone wouldn't expose your account names or transaction descriptions.
Two-factor authentication
Add TOTP two-factor auth in about a minute. Sensitive operations — like linking a bank — require it, plus fresh re-verification even mid-session.
Your data is yours
Export your accounts and transactions to CSV anytime, on any plan. Delete your account and your personal data is removed on a published retention schedule — not quietly kept.
No ads. No data selling. Ever.
Subscriptions are the entire business model. Your transactions are never sold, shared with advertisers, or used to market other products at you.
Security-scanned on every release
Every deploy must pass automated dependency audits, static security analysis, and secret scanning before it ships. Found something? security@zoninga.com.
The fine print, in full: Privacy Policy · Terms of Service
Simple pricing. A free plan that's actually useful.
Most paid finance apps run $13–15 a month with no free tier.
Zoninga starts at $0 — and every new account gets Premium free for 14 days.
Free
Build your payoff plan
- 3 accounts · 200 transactions a month
- AI assistant — 25 chat messages a month
- Debt payoff planner with 2 strategies
- 2 what-if scenarios
- 3 budgets · 3 savings goals
- Badges, streaks & challenges
- CSV export of your data
Free forever — not a trial
Premium
Put your money on watch
- AI agent — daily monitoring, approval inbox & in-app chat
- Connect Claude & ChatGPT to your data
- Unlimited accounts, transactions, budgets & goals
- Automatic bank sync — 12,000+ banks via Plaid
- All 8 payoff strategies · unlimited scenarios
- Family sharing for up to 5 people
- Full reports, full export & priority support
or $79.99/year (save 33%)
No credit card to sign up. Cancel or downgrade anytime — online, in two clicks — and your data stays exportable. See the full plan comparison
Fair questions
The things we'd want to know before handing a new app our finances.
Is it safe to put my financial information in Zoninga?
Sensitive fields are encrypted with AES-128 before they reach the database, all traffic is HTTPS, and you can add two-factor authentication in about a minute. Every release has to pass automated security scans (dependency audit, static analysis, secret scanning) before it can deploy. And because the business model is subscriptions, your data is never sold or shared with advertisers.
Do I have to connect my bank account?
No. Everything works with manual entry — the free plan is built around it. Bank sync is an optional Premium convenience. You can even start with the free debt calculator without creating an account at all.
Can Zoninga move my money?
No. Bank connections are read-only — they import balances and transactions so you don't have to type them. Zoninga can't initiate transfers or payments. Your bank credentials never touch our servers: the connection is handled by Plaid, the same service used by apps like Venmo, and we store only an encrypted access token you can revoke anytime. The AI agent lives under the same rule: it can propose a move (“shift $200 to checking before Thursday's autopay”), but only you can approve it — and you execute it at your own bank.
What does the AI agent actually do every day?
You approve a monitoring plan once — which bills to cover, the checking buffer you want, what counts as unusual. From then on the agent checks your accounts daily: bills due in the next week against what's in checking, balances near your floor, cash sitting idle above your buffer, months projected to come up short, and spending that looks off. When it catches something it sends a notification, and anything action-shaped lands in an approval inbox as a one-tap approve/decline question. You can pause the agent anytime with a single switch, and every action it takes is written to an audit log you can read. Daily monitoring is included free during the 14-day trial and is a Premium feature after that — your plan stays saved either way.
What does the free plan actually include?
Three accounts, 200 transactions a month, three budgets, three savings goals, the debt payoff planner with two strategies, and two what-if scenarios — free forever, not a trial. New accounts also get every Premium feature free for 14 days, no credit card required.
How is Zoninga different from YNAB, Monarch, or a spreadsheet?
Most finance apps are dashboards: they show you where your money went, and the watching is your job. Zoninga flips that — an AI agent checks your accounts every day and brings you the handful of things that need a decision, while the dashboard, reports, and payoff math sit underneath for whenever you want the detail. It's also built around getting out of debt (8 payoff strategies compared on your actual numbers, what-if scenarios before big decisions) and less than the going rate — Premium is $9.99/month versus the $13–15 most alternatives charge — with a permanent free plan.
What's the AI assistant?
The watchdog agent, on demand. Chat with it inside Zoninga — “how much did we spend on restaurants last quarter?” or “which card should I pay off first?” — and review its proposals in one inbox. Every plan includes 25 chat messages a month; Premium makes chat unlimited and keeps the daily monitoring running after your trial. You can also securely connect Claude or ChatGPT to your own data over OAuth (a Premium feature; no passwords shared, revocable anytime). See how to connect →
What happens to my data if I cancel?
You can export your accounts and transactions to CSV anytime, on any plan. Downgrading from Premium never deletes your data — you just lose access to Premium-only features. If you delete your account, your personal data is removed on the schedule in our privacy policy.
Can I cancel anytime?
Yes — from your account settings, online, in two clicks. Billing is handled by Stripe, so we never see your card number. No minimum term, no cancellation call, no “email us to close your account”.
Put a watchdog on your money
Start with the free calculator — see your debt-free date in about a minute, anonymous, no account needed.
When you're ready to stop watching your accounts yourself, your numbers come with you and the agent takes the daily shift.
Free plan included · 14-day Premium trial · No credit card