Zeno Household

Zeno Household keeps your household's money picture and helps you make calm, well-timed decisions with it.

• What's likely next: your lowest point in the next 30 days, when the next income lands, and what changed since you last looked, with honest ranges instead of a single guess.
• Ask before you spend: check a purchase, booking or subscription before you commit. Zeno says whether it fits, is tight or runs short, and when it would fit instead.
• A Plan that fits: monthly and periodic budget lines, set-asides for annual costs, and a month-by-month view of the year so tight months show up early.
• A way out of debt: compare paying minimums, highest rate first and smallest first at the same monthly payment, and keep the plan you choose.
• The long view: year by year income, spending, debts, life events and savings, with each person's age.
• Bills in one place: what's owed, by when and what pays itself, gathered from your email by your assistant when you say so.
• A five-minute weekly check-in, and a needs lens that shows where money goes against what matters to you.
• One thread between the chat and the web app: what you work out in conversation shows up in the app, and what you change in the app comes back to the next conversation.

You or your assistant enter accounts, balances, paychecks and bills, or copy in transactions you choose. Zeno never connects to your bank, never asks for bank logins or account numbers, and never moves money: no tool pays, transfers or trades. Anything the assistant infers is saved as a proposal until you confirm it, and changing your adopted Plan needs a reason in your own words.

For households in the United States. Requires a Zeno Household account (sign up at zenonest.com). You can connect with view-only access.