Seek clarity in your finances
Zeteo brings all your accounts, budgets, and group expenses into one place so you can stop guessing and start knowing.
"How do you search for something you don't know?"
From the Greek to seek, inspired by Meno's paradox. Your financial picture was always there. Zeteo helps you find it. We believe personal finance shouldn't be about endless data entry; it should be about revelation.
Predict your future. Protect your peace.
Stop steering your financial life by looking in the rearview mirror. Zeteo projects your cash flow 30 days ahead, eliminating the anxiety of unexpected bills. Know what's safe to spend today with confidence.
Budgets that reward you, not restrict you.
Most apps reset your budget on the 1st, erasing the discipline of saving. Zeteo rolls your unspent cash forward automatically, building a protective buffer that gives you total freedom to spend guilt-free later.
Never send an awkward "you owe me" text again.
Stop juggling different apps just to split a dinner bill. Zeteo tracks the math, shows who owes what, and records settlements, so your friendships stay clean. It is the most elegant way to manage money with friends.
Everything in one place
The tools you need to take control of your financial life.
Your categories, saved as rules
Fix a merchant once (or save a pattern). New transactions sync into the right category—optional retroactive sweep for old ones.
Bills surfaced from your history
We detect repeating payments from your transactions and notify you 10 days and 1 day before the next one—9 a.m. local, with notifications on.
30-day cash flow forecast
See your money before it leaves. View future balances based on your patterns and upcoming bills, not just past spending.
Rollover budgets
Unspent cash rolls forward to build a safety buffer. Budgets that adapt to real life without the guilt of strict monthly resets.
Accounts and group splits, unified
Stop juggling apps. Connect all your checking, credit, and shared group expenses into one definitive dashboard.
Read-only bank sync
AES-256 at rest, Plaid for read-only linking. We never store credentials, never sell your data, and can never move your money.
Why choose Zeteo?
Compare us against the alternatives. We believe in providing the most complete toolset.
| Features | Zeteo | YNAB | Monarch | PocketSmith | Splitwise |
|---|---|---|---|---|---|
| Cash flow forecast | |||||
| Rollover budgets | |||||
| Group expense splitting | |||||
| Auto-categorization | |||||
| Bank sync | |||||
| Price | $8.99/mo | $14.99/mo | $14.99/mo | $14.99/mo | $5.99/mo |
Absolute Sovereignty
We do not sell your data, because you are our customer, not our product. Your connection is secured by read-only Plaid architecture, so we can never move your money.
AES-256 Encryption
Your data is encrypted at rest using AES-256 standard.
ReadOnly Bank Connections
Plaid handles credentials. We never see your bank passwords.
Row-Level Security
Database isolation ensures only you can ever access your data.
No advertising
You pay for the product. You are not the product.
Smart Insights powered by AI
Spending pattern detection, anomaly alerts, and personalized financial suggestions. Your financial copilot is in development.
Simple Pricing
Cancel anytime. No credit card required to start.*All prices in USD. The App Store will convert to your local currency.