Budgeting that stays yours.
Give every euro a job with simple, tactile envelopes. No bank logins, no cloud, no account — your whole money map lives right on your phone, and nowhere else.
Good evening, Sofia 👋
Your envelopes
Built around what we don't collect
Three steps to a budget that finally sticks.
The envelope method is older than banks — and it works because it's simple. ZappExpense brings it to your pocket without the spreadsheets.
Name your envelopes
Create an envelope for everything that matters — rent, groceries, date nights, an emergency buffer. You decide the categories, you set the limits.
Fill them with money
When you get paid, share your income across your envelopes so every euro has a job. Set auto-refills on payday so it happens without you lifting a finger.
Spend and track
Log an expense in two taps and it's instantly subtracted from the right envelope. You always know exactly what's safe to spend.
A calm, complete money system — not just a tracker.
Five kinds of envelopes, rollover, savings goals, recurring bills and a little gamification to keep you going. All offline, all on your phone.
Five kinds of envelopes
Spending, fixed bills, savings, income and a buffer — each behaves the way that category actually should.
Rollover & auto-refill
Unused money rolls into next month instead of vanishing. Schedule top-ups from any envelope so payday tops everything up automatically.
Savings goals
Target a number or a date and watch the progress fill.
Recurring & subscriptions
Keep every monthly charge in one place and let bills post themselves on schedule.
Transfers & buffer
Overspent on dinner? Move money between envelopes, or let your buffer quietly cover the gap.
Streaks, levels & a wellness score
Small wins, celebrated. A daily streak and a money-wellness score turn good habits into a game you actually want to keep playing.
Works anywhere, even offline
No signal on the metro? No problem. Every feature works fully offline because your budget never depended on a server to begin with.
June budget
Fixed
Buffer
Plan the whole month in a couple of minutes.
Lay your income across envelopes and instantly see what's committed, what's flexible and what's left. No mental maths, no surprises at the end of the month.
- Daily to yearly periods — budget on whatever rhythm your life and pay run on.
- Lock & pause envelopes — protect savings from accidental spending.
- Surplus suggestions — nudge spare cash toward savings at month's end.
Your money is nobody else's business.
Most budgeting apps need your bank logins and park your spending on their servers. ZappExpense was built the opposite way: there's simply no server holding your data, so there's nothing to leak, sell, or subpoena.
Envelopes, transactions and goals live in your phone's private storage — never uploaded.
Lock the app behind biometrics and blur sensitive figures with one tap when you're in public.
Your data belongs to you. Keep it, export it, or delete everything instantly — it was always only ever here.
Questions, answered.
How much does ZappExpense cost?
Do I need to create an account?
Do I have to connect my bank?
Where is my financial data stored?
What happens to my data if I delete the app?
Which devices are supported?
Start giving every euro a job.
Free to download. No account, no bank logins, nothing to leak. Just a calmer relationship with your money — beginning tonight.
