Zelli is an AI-powered personal finance app designed to help users organize their finances, understand their financial position, and plan for the future. Instead of relying on complex spreadsheets or multiple banking apps, Zelli brings together bills, assets, debts, savings, and long-term financial planning in a single, easy-to-use platform.
A standout feature of Zelli is its Financial Age concept, which estimates how financially prepared you are compared to your actual age. The app also includes retirement forecasting, net worth tracking, budgeting, and financial health insights. Built with a privacy-first approach, Zelli stores user data locally on the device rather than on cloud servers, giving users greater control over their financial information.
Features
Financial Age Calculator
Zelli calculates your Financial Age using factors such as income, savings, investments, pensions, property, and debts. This provides an easy-to-understand measure of your financial progress.
Bill and Subscription Management
Users can organize recurring bills, subscriptions, provider details, payment references, and renewal reminders from a single dashboard to avoid missed payments.
Net Worth Tracking
The app tracks assets, liabilities, mortgages, pensions, savings, and investments to provide a complete picture of your net worth over time.
Budget Planning
Zelli allows users to set category-based budgets and monitor monthly spending, making it easier to manage everyday finances.
Future Planning
The “Future You” feature lets users explore different financial scenarios by adjusting savings, investments, and retirement assumptions to see their potential future financial position.
FIRE Planning
The platform includes Financial Independence, Retire Early (FIRE) and Coast FIRE calculators that help users estimate their progress toward financial independence.
Privacy-First Design
Unlike many finance apps, Zelli does not require bank connections or cloud accounts. Financial data remains stored locally on the user’s device and is never sold to advertisers.
How It Works
- Download Zelli on iOS or Android.
- Enter your income, savings, assets, debts, and other financial information.
- Organize bills, subscriptions, and recurring expenses.
- Review your Financial Age, financial health, and net worth.
- Create budgets and monitor monthly spending.
- Use Future You and retirement planning tools to explore long-term financial scenarios.
- Update your financial information regularly to keep insights current.
Use Cases
Individuals can organize personal finances in one place.
Young professionals can monitor savings goals and financial progress.
Families can manage recurring bills and subscriptions.
Retirement planners can forecast future wealth and retirement readiness.
FIRE enthusiasts can track financial independence goals.
Anyone seeking a privacy-focused alternative to cloud-based finance apps can benefit from Zelli.
Pricing
According to the official website, Zelli is completely free to use. The app is available for both iOS and Android, contains no advertisements, has no premium tier, and does not sell user data.
Strengths
- Clean and intuitive interface.
- Unique Financial Age metric.
- Comprehensive net worth and retirement planning tools.
- Budgeting and bill management in one app.
- Privacy-first approach with local data storage.
- No ads or premium subscription.
- Available on both Android and iOS.
Drawbacks
- Does not connect directly to bank accounts.
- Users must manually enter and update financial information.
- No cloud synchronization between devices.
- Best suited for UK users due to UK-specific financial comparisons and planning features.
Comparison with Other Platforms
Unlike many personal finance apps that rely on bank integrations and cloud storage, Zelli emphasizes privacy by keeping financial data on the user’s device. It also differentiates itself through features like Financial Age, Future You forecasting, and FIRE planning, making it appealing to users who prefer manual financial management with strong privacy protections rather than automated banking connections.
Customer Reviews and Testimonials
The official website states that the app has recently launched and does not yet display customer testimonials, noting that it prefers to earn genuine user reviews rather than publish placeholder endorsements.
Conclusion
Zelli is a thoughtfully designed AI-assisted personal finance app for users who value simplicity, privacy, and long-term financial planning. With features such as Financial Age analysis, net worth tracking, budgeting, retirement forecasting, and FIRE planning, it provides practical tools for understanding and improving financial health. Its privacy-first philosophy and completely free pricing make it an attractive choice for individuals seeking a secure and straightforward money management solution.
