Don't check your money.
Talk to it.

Sensitive fields are encrypted with AES-128 before they reach the database, all traffic is HTTPS, and you can add two-factor authentication in about a minute. Every release has to pass automated security scans (dependency audit, static analysis, secret scanning) before it can deploy. And because the business model is subscriptions, your data is never sold or shared with advertisers.

No. Everything works with manual entry — the free plan is built around it. Bank sync is an optional Premium convenience. You can even start with the free debt calculator without creating an account at all.

No. Bank connections are read-only — they import balances and transactions so you don't have to type them. Zoninga can't initiate transfers or payments. Your bank credentials never touch our servers: the connection is handled by Plaid, the same service used by apps like Venmo, and we store only an encrypted access token you can revoke anytime. The AI agent lives under the same rule: it can propose a move (“shift $200 to checking before Thursday's autopay”), but only you can approve it — and you execute it at your own bank.

You approve a monitoring plan once — which bills to cover, the checking buffer you want, what counts as unusual. From then on the agent checks your accounts daily: bills due in the next week against what's in checking, balances near your floor, cash sitting idle above your buffer, months projected to come up short, and spending that looks off. When it catches something it sends a notification, and anything action-shaped lands in an approval inbox as a one-tap approve/decline question. You can pause the agent anytime with a single switch, and every action it takes is written to an audit log you can read. Daily monitoring is included free during the 14-day trial and is a Premium feature after that — your plan stays saved either way.

Three accounts, 200 transactions a month, three budgets, three savings goals, the debt payoff planner with two strategies, and two what-if scenarios — free forever, not a trial. New accounts also get every Premium feature free for 14 days, no credit card required.

Most finance apps are dashboards: they show you where your money went, and the watching is your job. Zoninga flips that — an AI agent checks your accounts every day and brings you the handful of things that need a decision, while the dashboard, reports, and payoff math sit underneath for whenever you want the detail. It's also built around getting out of debt (9 payoff strategies compared on your actual numbers, what-if scenarios before big decisions) and less than the going rate — Premium is $9.99/month versus the $13–15 most alternatives charge — with a permanent free plan.

The watchdog agent, on demand. Chat with it inside Zoninga — “how much did we spend on restaurants last quarter?” or “which card should I pay off first?” — and review its proposals in one inbox. Every plan includes 25 chat messages a month; Premium makes chat unlimited and keeps the daily monitoring running after your trial. You can also securely connect Claude or ChatGPT to your own data over OAuth (a Premium feature; no passwords shared, revocable anytime). See how to connect →

You can export your accounts and transactions to CSV anytime, on any plan. Downgrading from Premium never deletes your data — you just lose access to Premium-only features. If you delete your account, your personal data is removed on the schedule in our privacy policy.

Yes — from your account settings, online, in two clicks. Billing is handled by Stripe, so we never see your card number. No minimum term, no cancellation call, no “email us to close your account”.