ZOVORA
What you owe
£7,365.92Cards, loans, finance and pay later, added up.
Know what's safe to spend.
Every bill, card, pay-later plan, pot and pension in one place, and one number: what you can still spend before payday. Built for the UK, payday to payday.
Free in beta. No card. No bank login. Works in the browser on iPhone, Android and desktop. Launch updates only, unsubscribe whenever. See our privacy notice.
The month
Your bank sees an account. Zovora sees the month.
£2,680 landed on payday. Nine payments leave before the next one. This is what's actually left.
Payday · 13 Aug£2,680.00in the account
- Klarna14 Aug · −£51.49
- United Utilities18 Aug · −£54.00
- EE20 Aug · −£53.99
- Netflix24 Aug · −£17.99
- Rent1 Sept · −£995.00
- Trading 2121 Sept · −£300.00
- Council tax6 Sept · −£142.00
- Octopus Energy9 Sept · −£82.48
- Barclaycard12 Sept · −£45.40
Next payday · 12 Sept£937.65safe to spend
Money plan
Money arrives. Zovora knows where it goes.
Every payment on its date.
Council tax, Spotify, rent: each sits on the day it leaves. One tap confirms it has gone.
Grouped by the account it leaves from.
Monzo carries six payments this month, Revolut three. Zovora knows what each account has left.
The whole month in one list.
Every regular payment, card minimums included, so nothing is missed.
Names it knows
Type the name. Zovora knows the logo and the category.
Netflix or the council, Klarna or the corner shop: recognised as you type, with the category set and the amount suggested from what you entered before.
- Monzo
- NatWest
- Barclaycard
- Amex
- Halifax
- Santander
- Klarna
- Clearpay
- Vanguard
- Netflix
- Spotify
- Tesco
- Octopus Energy
- Costa
- EE
- PureGym
Borrowing
Borrowing, seen properly.
Cards, with the whole picture.
Balances, limits, minimums and credit use, side by side.
Klarna and Clearpay, on the calendar.
Every instalment on its date, counted in what's safe to spend.
See your route to paying it off.
Pay £25 more a month and you're clear 20 months sooner. An estimate from your figures, never a recommendation.
Savings
Savings and pensions, in the same picture.
Pots, investments and pensions sit alongside everything else, not in another app.
Savings and investments£4,250.65Values you keep updated. Pensions sit alongside.
The full picture
The full picture of your money. Finally.
What you've built
£4,250.65Savings and investments. Pensions alongside.
Safe to spend
£937.65Left this month after £1,742.35 of commitments.
Spreadsheets
Tired of managing spreadsheets? Yeah, us too.
Ours had fourteen tabs and three broken formulas. So we built the thing the spreadsheet was trying to be.
Trust
Zovora will never advertise a loan or promote borrowing that charges interest.
Built to help people see their money clearly and owe less.
- No bank login
- Nothing to connect. Zovora cannot move money.
- Nothing invented
- Anything you haven't entered shows as Not set, never a guess.
- Not a credit score
- The Zovora Score comes from your entries only. No lender sees it.
- Not advice
- Not FCA regulated. A calculator, never a recommendation.
Questions
Questions, answered.
Do I need to connect my bank?
No. There is no bank connection and Zovora never asks for banking details. You type in what you want tracked, which also means it can hold the things bank feeds miss: pay-later plans, card minimums and cash income.
What do you store?
Only what you type in. Nothing is pulled from a bank or anywhere else. The privacy notice sets out exactly what is kept and why.
Is this a lot of typing?
Income, payday and your regular payments to start. After that, only what changes. Names are recognised as you type, the category comes with them, and amounts are suggested from what you entered before.
Can Zovora move my money?
No. Zovora cannot make payments, move money or touch an account. It only holds what you have entered and does the arithmetic.
Are the payoff dates guaranteed?
No. They are estimates from the balances, rates and payments you have entered, and they move when those change. Zovora shows what paying differently could do. It never makes a payment for you.
What does it cost?
Nothing during the private beta, and no card is needed. Join the list and we email you when your place is ready. Pricing will be confirmed before public launch.
Is the Zovora Score a credit score?
No. It comes only from what you have entered. No lender sees it and it has no effect on your credit file. It is information, not financial advice.
Your next payday shouldn't be a guessing game.
Join the private beta. We'll email you when your place is ready.
Free in beta. No card. No bank login. Works in the browser on iPhone, Android and desktop. Launch updates only, unsubscribe whenever. See our privacy notice.Or read what we store and why