All your money. One honest picture.
Checking, cards, Venmo and receipts in one place, with nothing counted twice. Upload statements and link nothing, or turn on read-only sync. Your bank, your choice.
Free to start · Read-only bank sync on Pro · Zedi never sees your bank login
- PDFVENMO CASHOUT 260912Bank statement · checking-2026-09.pdf+$120.00
- CSVVenmo Cashout 260912Bank export · checking-2026-09.csv+$120.00
- CSVStandard TransferVenmo export · venmo-2026-09.csv−$120.00
- Balanced
- Transfer paired
Upload files and link nothing, or sync read-only on Pro. Zedi never sees your bank login and can’t move money.
Encrypted in transit and at rest, and walled off from every other user in the database.
No ads and no ad trackers. Pro pays the bills, not your data.
Every account in one clean list.
Your bank, card and Venmo files often show the same money twice. Zedi skips the copies and pairs card payments and Venmo cash-outs, automatically.
CSV, PDF and QFX statements, Venmo files and receipt photos, plus read-only bank sync on Pro.
Zedi skips any row with the same date, amount and description as one you have.
Card payments and Venmo cash-outs get paired for you, so they don’t count as spending or income.
PDF statements are checked against their own printed balances, so a bad read gets flagged.
Every statement waits for your OK, so you can fix a row or rename a store first.
Leftover rows are grouped by store, and one click or opt-in AI files them.
Brokerage accounts
In development: upload a Schwab export to see your holdings, kept apart from spending.
Cash App statements
Planned: upload Cash App’s CSV, so payments to friends land on the People tab.
Forward by email
Forward a statement or receipt to one private address, and Zedi files it.
Know exactly where your money goes.
Clear charts built from that same clean list, with copies and paired transfers already left out.
Spot what’s growing
See which categories and stores grew, month by month.
This month vs last month
Put this month next to last month, or next to the same month last year.
Click into any number
Open any category, store or day and see exactly which rows add up to it.
Smart rules that learn
450+ default merchant and keyword rules sort new rows automatically, and your fixes can become rules.
See what was in the cart, and who owes you.
Your bank shows one Costco charge. Snap the receipt and see every item, and who shared it.
Receipt photos and bank PDFs are both sent to Claude Vision for OCR. CSV and QFX files are parsed locally on our server.
Every item on the receipt
Snap a receipt and AI reads every line, each item with its own category.
Split by item
Tag who shared each item, and Zedi does the math, tax and tip included.
Who owes who, handled
A running balance with every friend, kept for you. Paybacks clear the oldest share first.
Venmo, matched to people
Upload your Venmo history and payments land on the right person, automatically.
You stay in control.
Here is exactly what Zedi sees, and what you control.
- Files only
Upload files. Nothing is linked.
Download statements from your bank and drop them in. Zedi never sees a bank login.
- Read-only sync
Read-only bank sync on Pro
You sign in to your bank at SimpleFIN, never at Zedi. The sync can’t move money and runs about once a day.
- Always
No ads. Never sold.
We make money from Pro, never by selling your data. Export or delete it any time, in Settings.
To turn bank sync off, disconnect the bank in Zedi, then remove Zedi in SimpleFIN.
Read exactly what we store, and for how longHow Zedi compares, line by line.
Seven apps people often weigh, using facts from their own sites. Where another app does better, the table says so.
| Question | Zedi | Monarch | Copilot | YNAB | Rocket Money | Empower | Tiller | Splitwise |
|---|---|---|---|---|---|---|---|---|
Price What it costs to use. | Free; Pro $5 a month, plus SimpleFIN’s $1.50 a month | From $14.99 a month or $99.99 a year | $13 a month or $95 a year | $14.99 a month or $109 a year | Free; paid plans about $7 to $15 a month | Free | $99 a year | Free up to 4 expenses a day |
How data gets in Bank sync, files or typing. | Files, or read-only sync on Pro | Bank sync, or CSV on the web | Bank sync through Plaid and others | Bank sync, or CSV, QFX and OFX files | Bank sync through Plaid | Links your accounts | Bank feeds or CSV into a sheet | You and friends add expenses |
Your bank login Where it goes, if anywhere. | Zedi never sees it | Goes to its data providers | Goes to Plaid or Mastercard | Optional; goes to Plaid or MX | Required; goes to Plaid | Needed to link accounts | Goes to Plaid or Yodlee | Not needed |
Copies and transfers Duplicate rows and card payments. | Counted once: copies out, card payments paired | Transfers set apart; copies by hand | Marks internal transfers | Skips exact repeats | Marks internal transfers | Transfers left out; copies by hand | CSV imports not checked for copies | Shared costs only |
Receipts What a receipt photo becomes. | Every item gets its own category | Reads items; splits by category | Not listed | Not listed | Not listed | Not listed | Not listed | Pro scans and splits items |
Who owes who Costs you share with people. | Who owes who, kept for you | Partner shares it; Bill Split retired | Not listed | Shares a plan; split balances not listed | Partner on Premium; split balances not listed | Not listed | Not listed | Yes, and friends see it too |
Budgets Plan what you will spend. | Not yet | Yes: by category, or one flex number | Yes, by category; optional | Yes: a plan for every dollar | Yes: limited free, unlimited on Premium | Yes, in its free tools | Yes: monthly and yearly sheets | Not listed |
Ads and your data What they say about both. | No ads; never sold | Ad-free | Doesn’t sell your data | Ad-free; doesn’t sell your data | Takes no payment for your data | Free; sells advice separately | No ads; never sells data | Pro removes ads |
Where it runs Apps and browsers. | Any web browser | Web, iPhone, Android | iPhone, iPad, Mac, web | Web, iPhone, iPad, Android, Watch | iPhone, Android; web on Premium | Web, iPhone, Android | Google Sheets or Excel | iPhone, Android, web |
Facts from each app’s own site and help center, checked October 10, 2026. “Not listed” means we looked and could not find it. A check marks a row an app does well, ours included. Tap a name for the full comparison and its sources, or read our bank sync page.
Why I built Zedi
I’m Nico. I built Zedi because I never knew what I actually spent.
Going from high school to college, money came from my parents with no set rhythm. Cash, Venmo, paying a friend back, splitting a grocery run. At the end of the month I couldn’t tell you what came in or what went out.
After my last startup, Bandit, didn’t work out, I wanted to build something I’d use every day. So I started simple: upload a statement from every place my money lives and see it all in one place.
That turned into a year of work: bank sync, analytics, receipts split by item, and a People tab for who owes who.
I never signed up for Monarch, Copilot Money or the rest. $100 a year, or a cheap trial that grows into that, felt wrong for something this basic.
My promise: no ads, and your data is never sold. You’re the customer, not the product. We make money one way, from people who choose Pro. If the price ever goes up, it’s because running Zedi costs more. Free to start, $5 a month for Pro.
Today I pay a handful of subscriptions to keep Zedi running. Try it, and tell me what’s missing.
- 0
- advertiser deals
- 0
- ad trackers; cookieless page counts on marketing pages only
- 0
- receipt images retained after OCR
- 1
- human with database access
Numbers are current today and updated when the underlying posture changes. The data policy at /privacy spells out the exact retention windows.
Free with your files. Five bucks a month for bank sync, plus SimpleFIN’s fee.
CSV and QFX bank files are free, with no limit. Pro adds read-only bank sync, plus unlimited scans and unlimited AI-powered categories. Bank sync also needs a SimpleFIN account, $1.50 a month paid to them.
Know where your money goes, from the files your bank already gives you.
- Unlimited CSV and QFX bank files
- 10 receipt scans a month
- 10 PDF statement scans a month
- AI-powered categories for 50 rows a month, if you turn them on
- Every chart, plus smart rules that learn, for all your accounts
- Who owes who, receipt splits and Venmo matching
- Your own Anthropic key, free on every plan: unlimited receipt and PDF scans and AI categorization, billed to your Anthropic account
- Community on Discord
Your banks update themselves, and scans and AI categories have no limit.
- Read-only bank sync through SimpleFIN, about once a day or when you press Sync now (SimpleFIN bills you $1.50 a month)
- Unlimited receipt and PDF scans
- Unlimited AI-powered categories
- Priority support in our Discord: Pro questions get answered first.
- Everything in Free
The 10 + 10 free scans and the 50 AI categorization rows reset on the 1st of each month. SimpleFIN bills its $1.50 a month for bank sync directly. Zedi adds no markup and never sees that payment. Free stays free. Pro is opt-in, and you can cancel it any time in Settings.
What you get
| What | Free | Pro |
|---|---|---|
| You pay Zedi | $0 | $5 a month |
| Bank sync | No, you upload files | Read-only, about once a day |
| You pay SimpleFIN | Nothing | $1.50 a month or $15 a year, plus tax, only if you sync |
| Bank files (CSV, QFX) | Unlimited | Unlimited |
| Receipt and PDF scans | 10 of each a month | Unlimited |
| AI-powered categories | 50 rows a month | Unlimited |
| Charts, rules, people and Venmo | Included | Included |
| Ads or selling your data | Never | Never |
You pay Zedi by card through Stripe. You pay SimpleFIN on its own site; Zedi adds no markup and never sees that payment.
Questions people ask first.
Do I have to give you my bank login?+
Can Zedi move my money?+
Why do I pay SimpleFIN on top of Pro?+
How often does bank sync update?+
How do I turn bank sync off?+
What happens when I upload a file?+
Does it work with Venmo?+
Where does my data go?+
How do the free scans work?+
Can I use my own Anthropic key?+
Can I export or delete my data?+
Is it free?+
Who is behind this?+
Start with one bank file.
Sign up in a minute, drop in a CSV or PDF statement from your bank, and see where your money goes.
Free to start · Export or delete your data any time in Settings
Read the Data Policy for what we store, where it lives, and how to delete it.