Voice Entry · Scan Receipt · AI Assistant · 100% Private
Start for free with a private budget and expense tracker for importing or recording transactions, setting practical budgets, tracking recurring expenses, and understanding monthly cash flow — without connecting to your bank.
No payment required. Upgrade only if you want higher limits and Pro features.
Illustrative values only. Your workspace begins without transactions or budgets.
Speak naturally to log expenses — zero manual typing needed
Snap a photo of paper or digital receipts to extract totals automatically
Universal statement mapper with exact centavo deduplication
Ask questions about your numbers with evidence & 0 bank passwords
Zero-Typing Financial Entry
Manual entry is tedious. Zoption lets you capture spending on the go with your voice, digitize paper receipts with your camera, drop multi-format bank PDFs and spreadsheets, or consult your private AI assistant.
Tap the microphone on the go and speak in your natural voice. Zoption transcribes your sentence in real-time, extracts the exact amount and currency, auto-detects the merchant, and assigns the right budget envelope for a seamless one-tap confirmation.
Spent ₱540 for fresh groceries at Robinsons Supermarket today
Six modules, one calm view
Zoption works the way you actually track money — reviewing files, following budgets, and noticing the recurring costs that quietly add up.
Filing
Whether it’s a bank export or a spreadsheet, choosing a CSV, XLSX, or XLS workbook opens a preview where you map columns, catch errors, and flag duplicates — before any row is saved.
Budgeting
Give each category a practical monthly target and watch progress in plain language. Recurring expenses roll into the same clear picture, so nothing sneaks up at the end of the month.
Subscription tracking
Log a subscription and Zoption records its next charge as an expense. Switch to the visual renewal calendar to track payment schedules, upcoming billing cycles, and cash-flow impact on an interactive month-by-month grid.
Transferring
Transfer between your own accounts and see the exact amount that arrives after any fee is deducted — then add the transfer to the ledger. No guessing what a move really costs.
Savings
Turn a savings account on and set the annual rate and pay day you want. Zoption accrues interest daily, monthly, or yearly and adds the earned amount to your balance — automatically.
Assist — always grounded
The AI Financial Assistant answers questions about your data with evidence and clear limits. It reads only what you ask about, never edits a number, and explains the reasoning behind each answer.
Interactive Budget Planner
Setting practical category limits stops unmonitored spending drift and gives every peso a clear job before the month starts. See what structured budget envelopes save you each year.
The Zoption Advantage
Fintech apps demand your bank password, harvest your financial habits for credit card ads, and round decimals. Zoption gives you total control, zero credential risk, and exact centavo accuracy.
| Capability & Security Standard | Typical Finance Apps | Zoption Private Workspace |
|---|---|---|
| Voice & spoken entrySpeak to add transactions on the go | Manual typing only · no voice parser | Instant speech-to-transaction parsing & 1-tap save |
| Receipt photo scanningCamera & screenshot expense extraction | Locked behind expensive plans or manual entry | Smart OCR for paper & digital bills with line items |
| PDF, Excel & CSV statementsUpload e-statements & multi-sheet workbooks | Rigid, error-prone or locked behind paywalls | Universal PDF, CSV, XLSX & XLS with deduplication |
| AI financial insightsIntelligence and conversational tools | Unverified chatbots with write access | Read-only, grounded with evidence & consent |
| Bank login credentialsAccess required to track your balance | Mandatory bank passwords & screen scraping | Never requested · 100% private file import |
| Data privacy & profilingHow your transactions are handled | Aggregated for ad targeting & lending offers | Zero ad tracking · only records you choose |
| Calculation precisionHow balances and totals are computed | Floating-point drift & rounded decimals | Exact integer centavo accuracy |
| Native mobile experienceAndroid and on-the-go tracking | Cloud-locked web wrappers | Native Android Beta APK with receipt scanning |
Official Android beta
Download the Zoption Beta APK from zoption.site: the new native app with your workspace on the device, offline-first entry, and camera receipt scanning.
Beta ready to download
New in Zoption Beta: snap a receipt and Zoption drafts the expense for you. The beta replaces the older Zoption app — uninstall it first, then install the beta.
The APK is not distributed through Google Play. Zoption remains online-first, so authenticated financial operations require an internet connection.
Start from a file you already have
Choose a CSV, XLSX, or XLS file with built-in mapping for these common formats, then review every row before anything is saved.
Bank names are shown to indicate supported export formats only. Zoption is not affiliated with or endorsed by these institutions.
Designed for real decisions
Keep a simple manual rhythm: log what moves, let Zoption do the arithmetic, and decide from the same picture your budgets are built from.
Import a file, or add a row yourself. You’re in control of what enters your workspace — only what you choose is ever saved.
Zoption keeps amounts in exact centavos and shows every calculation in plain language, so the picture matches your own figures.
Budgets, subscriptions, savings interest, and an assistant — all pointing at the same monthly view, ready for one next move.
No payment required. Your workspace starts empty and private, with no bank credentials to hand over.
From real Zoption customers
Reviews come from signed-in customers who explicitly consent to sharing; Zoption selects which submissions appear here and does not rewrite their words with AI.
Common questions
How Zoption handles voice entry, receipt scanning, file imports, privacy, and money math.
