A private budget and expense tracker without direct bank connections, credential risks, or advertising monetization.
Everything you need to track money privately with voice entry, receipt scanning, and statement imports.
For users who want multi-account automation, automatic interest compounding, and higher import limits.
Compare all features across Free and Pro tiers to pick what matches your tracking style.
| Feature | Free | Pro |
|---|---|---|
| Privacy & Data Ownership | ||
| Zero bank credentials required | Yes (100% private) | Yes (100% private) |
| Data storage | Private cloud workspace | Private cloud workspace |
| No advertising or data monetization | Guaranteed | Guaranteed |
| Filtered CSV transaction export | Full access | |
| Transactions & Fast Entry | ||
| Speech-to-transaction voice entry | Unlimited | Unlimited |
| Camera receipt photo scanning | Unlimited | Unlimited |
| Bank statement imports (PDF, CSV, XLS, XLSX) | 1 committed / month | 10 committed / month |
| Transaction deduplication warnings | Included | Included |
| Exact centavo integer math (no rounding drift) | Included | Included |
| Accounts & Budgets | ||
| Starter accounts (Cash, GCash, Maya, Bank) | Included | Included |
| Custom accounts creation & renaming | Default accounts | Unlimited custom |
| Custom budget categories | 4 custom + starters | Unlimited active |
| High-yield savings interest compounding | Manual entry | Automatic (daily/mo/yr) |
| Interactive Renewal Calendar (Subscriptions) | Basic list | Interactive monthly grid |
| AI Financial Assistant | ||
| Natural language workspace query assistant | 10 queries / 14 days | 100 queries / 14 days |
| Assistant permissions model | Read-only & consented | Read-only & consented |
| Transparent reasoning & grounded citations | Included | Included |
| Platforms & Support | ||
| Progressive Web App (PWA) with offline caching | Included | Included |
| Official Android Beta Native APK | Free download | Free download |
| Customer support | Community & documentation | Direct priority support (< 24h response) |
Everything you need to know about billing, privacy, payments, and plan upgrades.
Yes. The Free plan has no trial expiration and does not ask for credit card information. You can use core tracking, voice logging, receipt scanning, and budget features for as long as you want.
Connecting bank accounts often requires sharing online banking credentials with third-party aggregators and dealing with broken sync connections. Zoption lets you import standard bank statements (PDF, CSV, Excel) or record entries by voice in seconds—keeping your financial passwords 100% private.
Subscriptions are billed in Philippine pesos (PHP). PayPal securely processes card payments and subscription approvals without Zoption ever touching your card data.
Yes. You can cancel your subscription renewal directly in your Account Settings under Plan & Billing at any time. You retain Pro access until the end of your prepaid period.
The Annual Pro plan is ₱1,299 per year, which saves you approximately 27% compared to paying ₱149 monthly across 12 months.
For general inquiries and bug reports, our team reviews and responds within 24 to 48 business hours. Pro subscribers receive priority support with responses typically under 24 hours. The built-in AI Support Assistant is available 24/7 for instant answers.
Join thousands of users organizing their personal finances privately. No bank password sharing, no ads, and no spreadsheets that break.
