EnglishYour money, sorted. And a date on what comes next.
Drop in a bank statement and last month comes back sorted. Anything you would fill in a form for, you can just say instead. And it tracks what you own, budget or no budget.
A statement from almost any bank gets you started. It asks before it acts, apart from the small routines you hand it. Export or delete, any time.
Drop in one statement. Last month comes back sorted.
Two hundred rows to sort by hand is homework. Zelvo does the reading: it knows eleven banks' statements on sight, works out the rest, and files your regulars where you filed them last time. Nothing reaches your budget until you look.
- A statement file
- A photo of a receipt
- A line said out loud
- A sentence you type
- A row you fill in
Put a date on what you're saving for.
Zelvo carries your balance forward month by month, out to 24, and names the month each goal completes: on time, late, or out of reach. Money you owe rides in the same picture, so its last month is dated too. If a date falls outside the months you are looking at, Zelvo names none. Forecasting is on Basic and Pro.
Move one number and every date moves with it. Nothing in here touches your real budget.
$150 more a month. Lisbon lands Sep 2027.
Illustrative figures. Zelvo runs the same arithmetic on your own.
Or start from the answer. Say the outcome you want and by when, and Zelvo works backwards into monthly steps, then redoes them when your spending drifts.
You don't need a budget to use this.
Your broker account, your exchange balance and your wallets land in one list, under one total. No budget needed, now or ever. Paste an address and Zelvo works out the network itself. Keep a budget too and your holdings move your net worth, never the cash you can spend this week.
- AAPLBroker import$3 190×12
- USDCExchange balance$875875
- ETH0x84f2…9e21Watched wallet$3 9701,20
- BTCbc1qxy2…f0wlhWatched wallet$4 3800,042
Beside it, twelve investment platforms where idle money can earn, across 20+ networks. Four you can enter without leaving Zelvo on Pro. The other eight open at the platform itself.
- Aave
- Idle
- Lido
- Rocket Pool
- Morpho
- Euler
- Midas
- Kamino
- Jito
- Accountable
- Tonstakers
- JustLend
Most run on more networks than the one they sit under — 20+ between them, and Zelvo reads whichever each is live on.
Every platform carries a risk band worked out from three checks.
Zelvo publishes no rate of its own. Each one is read live from the platform itself, beside its 30-day average. Rates move and your capital is at risk. Zelvo names what each platform is and never tells you which one to put money into. No key leaves your device.
How the investing side worksWhatever you would fill in a form for, you can just say instead.
Log a spend, move a limit, start a goal.
It says what it is about to do, then does it. Receipts come with Undo beside anything reversible, and the few permanent changes say so before you approve. You can hand it small routines under limits you set, and one switch turns those off.
Seven currencies, one total.
An invoice in euros, rent in złoty. Zelvo adds it up to one total, and a transaction that crosses currencies keeps the rate it used. Share a budget and choose what each person can touch. One purchase can count in two budgets at once.
- USD$120.00
- UAH4 924,80 ₴
- PLN436,80 zł
- EUR110,40 €
- GBP94,80 £
- CAD164,40 C$
- CHF105,60 Fr
Quiet, and it never grades you.
One notification a day at most, none before 09:00 or after 22:00 your time, and nothing on the day your weekly review lands. No streaks, no score, no jokes about your spending. When a number is bad it says so plainly and shows you what has room. If one in twenty of its own changes gets undone, it stops acting and goes back to asking.
- review day
Three plans, and Free is a real one.
Free never expires and never asks for a card.
Enough to run a household budget.
- 3 budgets, 2 wallets, 3 months of history
- 50 rows per statement import
- 10 companion messages, plus 15 while you set up
Where the forecast turns on.
- 10 budgets, 5 wallets, 12 months of history
- The forecast out to 24 months, and a place to try a change first
- 50 companion messages a day
For when the spare money needs a job.
- Unlimited budgets, wallets, people and history
- Imports of any size, and no daily cap on the companion
- Put money into four of the platforms without leaving Zelvo, signed by your own wallet. Rates move and nothing there is guaranteed.
- The forecast
- Basic
- Pro
- Enter a platform from inside Zelvo
- Pro
Cancel from your settings and take your budgets with you. Subscriptions are the whole business here: no ads, and nothing about you is for sale.
What Zelvo does, and what it will not do.
Does it connect to my bank?
Not yet, and we want it as much as you do. A statement export works today with almost any bank, and gets you a real picture in minutes.
What happens to the file I give it?
A CSV or spreadsheet is read on your own device and never leaves it. A PDF has to travel to be read. Either way, only the rows you confirm are kept.
Do you hold my money?
No. Zelvo takes no deposits, cannot move anything between your real accounts, and holds no key it can spend with. Your own wallet signs anything you enter.
Will Zelvo tell me where to invest?
No. It shows what each platform pays now, its 30-day average and the risk it carries, and leaves the choice to you. Rates move and you can lose money. No fee, no cut, either way.
Can I leave?
Whenever you like. Every budget exports as a file that imports straight back, plus a plain CSV. Deleting your account deletes what is in it.
Find out which month it lands.
One statement, or one wallet address. Zelvo does the reading and shows you the receipts. On the web today, iPhone in the same private beta.