About Zovora
Zovora is a UK money app that works out what is safe to spend. You enter what you already know, and it takes off everything your income is already promised to.
Last updated 4 September 2026
Why it exists
Your bank balance is not what you can spend. It still contains the rent, the card payment, the pay-later instalment due on the 14th and the standing order into your savings pot on the 1st. Every banking app shows the balance and leaves you to do the rest in your head, usually on the day the money has already gone.
Zovora does that arithmetic instead. Income, minus everything already committed, minus what you have logged, gives one figure: what is genuinely left before payday, and roughly what that is per day.
What it keeps track of
- Income and when you are paid
- Bills, subscriptions and other regular payments, grouped by the account each leaves from
- Credit cards, including a payoff planner that answers in dates rather than percentages
- Loans and finance plans
- Pay-later orders from Klarna, Clearpay and the rest, instalment by instalment
- Savings pots and investment values you update yourself
- Day-to-day spending you log
Each of those is a single record. A standing order into a pot is a regular payment too, so it is counted once rather than twice, and anything you tick off leaves every total straight away.
Manual, on purpose
Zovora has no bank connection and never asks for banking credentials. That is a deliberate choice, not a missing feature. Bank feeds are good at showing what already happened and poor at the things that actually decide your month: pay-later plans held in someone else's app, the difference between a card minimum and its statement balance, cash income, and accounts no aggregator supports.
Because you enter the figures, Zovora never estimates one. If something is missing it says Not set, and it never projects growth on your savings.
What Zovora is not
- Not a bank or a payment service. It cannot hold or move money.
- Not financial advice, and not a regulated adviser.
- Not a credit score. The Zovora Score comes only from what you have entered, no lender sees it, and it has no effect on your credit file.
Where it is up to
Zovora is in private beta in the UK, in pounds, and free for beta users. Pricing will be confirmed before public launch. You can join the beta list to be told when a place is ready, and the privacy notice sets out exactly what is stored.