Xpenvo

Xpenvo is an AI-powered finance platform built for personal and business use. No bank sync. Manual entry only, because your financial data stays yours. Most apps show you charts and leave you to figure it out. Xpenvo gives you Zara, an AI finance coach who has full context on your income, spending, goals, and debt. Ask her anything, get answers grounded in your actual numbers. "Can I afford to move apartments?" "Should I pay off debt or build savings first?" "Why am I always broke at the end of the month?" Zara doesn't give generic advice. She knows your numbers. And she doesn't wait for you to ask. She notices things and brings them to you. What's inside: Net worth tracker with assets, liabilities, and monthly sparklines. 30-day cash flow forecast. Bill Calendar so you always know what's due and when. Financial Health Score with ranked action steps. Debt tracker with amortization tables and Avalanche vs. Snowball comparison. Subscription Autopsy that surfaces every recurring charge and what it's actually costing you yearly. Goals with deadline tracking and monthly contribution calculator. Scenario Planner to model real life decisions like a raise, a move, or going freelance against your actual numbers. Financial DNA, a behavioral profile derived from your real spending and saving patterns. Income Intelligence with stability scoring and month-over-month pattern detection. Tax estimation based on your logged income so you're never blindsided. Profitability calculator for business users, per project, per client, real margin. Financial calculators for compound interest, loan payoff, savings targets, and more. AI voice log, receipt scanner, quick log, and Zara auto-categorization. Financial milestone tracking for the moments that actually matter. The vision: Zara becomes the analyst you run every decision by, not a budgeting app you have to maintain.