Split your money into envelopes and relax until payday.
Zarflo is an envelope budget built around your payday and your card statement. It shows, at a glance, how much you can safely spend today.
No ads · No bank passwords · Your data is never sold
Envelope budgeting
Rent, groceries, bills… every expense has an envelope, and leftovers roll over to next month.
Scan receipts
Snap a receipt and the amount, date and store fill in. The photo never leaves your phone.
Together
Split costs on trips or with flatmates and see who owes whom. Your share lands in your own budget.
Rates and gold
Dollar, euro and gold at a glance, plus a monthly report of where your money went.