Hey Product Hunt, I'm Joel, solo founder of Xpenvo. Built and shipped this by myself. Every budgeting app I've used shows you a pie chart and stops there. I wanted something that actually told me what to do with the number, not just where it went. That's basically why Zara exists. She's not a chatbot bolted onto a budgeting app, she's built on Claude and she actually reads your real transactions before she says anything, so when you ask her if you can afford something or why you overspent last month, the answer is based on your actual numbers, not a generic tip you'd get from any finance blog. Beyond Zara there's a full set of tools I kept adding because I kept wanting them myself: a Financial DNA test that scores your money habits, a Money Mirror that shows you where your current habits actually lead in 1, 5, and 10 years, Payday Mode that walks you through bills and savings the day your paycheck lands. Free tier is genuinely usable long term, not a 14 day trap. First 10 beta testers get 60 days of Pro free, then a founding rate locked in for a year. Would love to hear what you think, I'll be in the comments all day.

Xpenvo

Most apps track your money. Zara talks to you about it.

Most apps track your money. Zara talks to you about it.