Tell Zowda about your life and it builds a budget that actually fits — then keeps an eye on things so you don't have to.
Read-only bank connections · Your credentials never touch Zowda
Everything below ships today.
Ask questions, fix categories, adjust targets — all in chat. Zowda's AI assistant builds your budget and answers questions like “what did I spend on groceries?”
Create a realistic budget that matches your life. The assistant sets it up from your actual income, and you can fine-tune every category by hand.
Choose the Debt Focus strategy and your budget prioritizes extra payments toward paying your debt down — without squeezing the essentials.
An AI-written weekly and monthly digest of what you spent, where you stand against your budget, and what changed.
Get a heads-up when a category is approaching its limit — and when a bank connection needs attention — before it becomes a surprise.
Spot patterns you didn't know existed. Understand your habits with clear categories and trends — no judgment, just data.
HOME SCREEN WIDGETS
Zowda's widgets put your budget on your phone or desktop home screen — spending so far, income, and net worth, updated automatically.
One glance before you buy is often all a budget needs.
Unretouched screenshots from Zowda on iOS.
A trusted connection partner talks to your bank and hands us read-only transaction records. We can't see your credentials, and we can't move your money. Ever.
Read the security FAQZowda never stores your banking credentials and has no ability to access your accounts or move money. We use a third-party data aggregator that connects to your bank on your behalf and forwards us read-only transaction records. That transaction data is stored in Google Cloud Platform, protected by Google’s state-of-the-art infrastructure security.
Zowda is available as a web app you can use in any modern browser, and as a mobile app for both iOS and Android.
Yes. There are no long-term contracts or cancellation fees. You can cancel your subscription at any time, and you’ll retain access through the end of your current billing period.
Zowda connects to thousands of banks, credit unions, and financial institutions across the United States through our secure data aggregation partner. During account setup you can search for your institution to confirm it’s supported.
After signing up, tap “Link Account,” search for your bank, and log in through our aggregator’s secure widget. Your credentials are handled entirely by the aggregator — Zowda never sees them. Once linked, your transactions begin syncing automatically.
Yes. Every member of a group budget needs their own paid Zowda account. Zowda uses AI-powered analysis tailored to each individual’s spending, income, and goals, and the compute cost of those workloads needs to be covered per person.