What exactly is Zavro?

Zavro is a personal finance web app for tracking budgets, income, expenses, savings goals, debt, and net worth in one place. An optional AI coach can answer questions about your own data.

No. Zavro is not a bank and does not hold your money. It's a tracking and planning tool that reads (with your permission) from accounts you already own.

Yes, there is a free plan you can use indefinitely. Paid plans exist to fund ongoing development. We do not sell your personal financial data — subscriptions are the business model.

How do bank connections work?

Bank sync is handled by Plaid, the same provider used by many major fintech apps. You authenticate on your bank's own page. Zavro only receives a read-only token and never sees your bank credentials.

Can I use Zavro without connecting a bank?

Yes. You can add transactions manually or via CSV. Bank sync is optional.

Can I delete my data?

Yes. You can delete individual records or your entire account at any time from Settings.

Independent · In active development · Early access open

Personal finance, honestly organized

Zavro is a calm, private dashboard for people who want to actually understand their money — budgets, savings, debt and net worth in one place. Built for individuals and households who are tired of spreadsheets and creepy finance apps.

Start for free How your data is protected

Free plan, no credit card Read-only bank access Delete your data any time

Preview of the Zavro dashboard. Full screenshots coming as the beta stabilizes.

Where Zavro stands today

What you can use now — and what's next

Zavro is already useful from day one. Here's exactly what's live today versus what our team is actively building for future releases.

Available today

Live in early access · use right now

Manual transaction tracking
CSV bank statement import
Budget creation & management
Financial dashboard
Spending analytics & reports
Savings goal tracking
Debt & net worth tracking
AI financial coach (optional)

Coming soon

In active development

Automatic bank syncing via PlaidIn dev
Real-time account balance updatesIn dev
Native iOS & Android appsIn dev
Advanced AI insightsIn dev
Premium reports & forecastingIn dev
Additional third-party integrationsIn dev

Useful from day one. While automatic bank syncing via Plaid is still being finalized, you can already track everything today using manual entries and secure CSV imports from your bank. Every feature above ships as it's ready — no waiting for a big-bang launch.

What Zavro does

A complete picture of your money

Everything you'd normally scatter across spreadsheets, banking apps, and sticky notes — organized in one calm dashboard. AI is optional and always off by default.

Smart budgets

Set monthly limits per category. Live tracking warns you before you overspend.

Savings goals

Visualize progress on emergency funds, vacations, or a house down payment.

Net worth tracking

Assets minus debt, tracked over time so you can see momentum build.

Reports & insights

Understand where your money actually goes each month, by category and trend.

Read-only bank links

Connect accounts through Plaid — Zavro never sees or stores your bank password.

Optional AI coach

Ask questions about your own spending. Off by default. You choose when to use it.

Your data security

How Zavro actually protects you

No vague "bank-grade" claims. Here's specifically what we do and what we don't do.

We never see your bank password

Bank connections run through Plaid. You log in on your bank's own screen — Zavro only receives a read-only token.

Read-only by design

Zavro cannot move money, initiate transfers, or make payments from your linked accounts.

Encrypted in transit and at rest

All traffic uses TLS. Financial data is stored encrypted in our managed cloud database.

You stay in control

Disconnect any account with one click. Delete your entire Zavro account and data whenever you want.

Zavro is a young product and does not currently hold formal certifications like SOC 2 or ISO 27001. We'll say so publicly if and when that changes — no trust-washing.

We stand on serious infrastructure

Rather than reinventing sensitive systems ourselves, Zavro integrates with the same providers used by leading fintech companies.

Plaid

Secure, read-only bank connections

Stripe

PCI-compliant subscription billing

OpenAI

Powers the optional AI coach

Cloudflare

Global edge delivery & DDoS protection

About Zavro

Built because personal finance apps got weird

Zavro started with a simple frustration: most modern finance apps either bury you in ads, sell your data to third parties, push credit-card offers you didn't ask for, or discontinue the product the moment they get acquired.

Our goal is to build a calm, focused personal finance platform where the product incentives are aligned with you — not with advertisers or data buyers. You pay us (eventually, if you find it useful), and in exchange we build something you actually want to open every week.

Our commitments: We do not sell your personal financial data. We do not run behavioral ads. We keep bank connections strictly read-only. And we will always be honest about what Zavro can and cannot do today.

Our business model

Why is Zavro free?

Zavro has a free plan that covers the core features most people need to organize their money. It's free because we want you to actually try the product before deciding whether it's worth paying for.

Optional paid plans exist to fund ongoing development, the AI coach, infrastructure, and bank-sync fees. That's it. We don't sell your data, and we don't run an advertising business on the side.

See what's free vs. paid

Roadmap

Where we are, honestly

Zavro is early. Here's what's already working, what's being built now, and what's next.

Core platform
Available
Budgets, expenses, income, savings goals, debt, and net worth dashboards.
Manual entry & CSV import
Available
Add transactions manually or import CSV bank statements — useful from day one.
Early access (now)
In development
Free plan open to first users. Founding subscription available for supporters.
AI financial coach
Beta testing
Ask questions about your own data. Being refined based on real user sessions.
Bank sync via Plaid
In development
Automatic transaction import for US and Canadian banks — currently in testing.
iOS & Android apps
Planned
Native mobile apps after the web experience is polished with real user feedback.
Public launch
Planned
General availability after the beta community is satisfied with stability.

Early access community

Be one of the first real users

We're not going to fake testimonials from customers we don't have yet. Instead, we're inviting a small group of early users to shape Zavro before public launch. Your feedback directly influences what we build next.

Join early access Talk to the team

Verified user stories will appear here once early access members give us permission to share them, with real names and photos.

Pricing

Simple, honest pricing

Start free forever. Upgrade only if Zavro becomes part of your routine.

Compare plans

FAQ

Common questions

Ready to see where your money actually goes?

Create a free account in under two minutes. No credit card, no bank connection required to get started.

Get started free

Free plan available Cancel any time Delete data any time