Zenmoney: expense tracker

Build your financial well-being: track spending, stay on budget and grow savings

Zenmoney.ru · ru.zenmoney.androidsub

5.0 out of 5 (1 rating) 1M+ downloads v26.8 175.6 MB Android 8.0+ PEGI 3 · Everyone

Download APK 175.6 MB All versions

Signature matches the Google Play version Details

At a glance

Latest version: v26.8 (1105)
Updated: Oct 2, 2026 (6 days ago)
APK size: 175.6 MB
Requires: Android 8.0+ (API 26)
CPU support: x86 64-bit, ARM 32-bit, ARM 64-bit
Category: Finance (app)
Listed since: Jun 13, 2021 (at least)
Permissions: 31 (6 sensitive)
Website: zenmoney.ru
Developer contact: [email protected]
Privacy: Developer's privacy policy

About this APK

Zenmoney: expense tracker is an app by Zenmoney.ru in the Finance category, listed since at least June 2021. It includes native code for x86 64-bit, ARM 32-bit and ARM 64-bit, so it runs on practically every phone.

Since version 8.9.1, the APK grew from 96.8 MB to 175.6 MB. Since version 8.2.0, the minimum Android version rose from 5.0 to 8.0. It asks for 31 permissions, 6 of them sensitive, including camera, read sms and find accounts on the device. It asks for the same permissions as version 26.7. The app offers in-app purchases through Google Play and can read the advertising ID that ad and analytics services use.

What's new in v26.8

Just a small update this time: a few fixes and improvements to keep Zenmoney running smoothly. For ideas and questions, join our chat: https://t.me/zenmoneychat_en

Description

From the listing uploaded by “appupdater”.

Zenmoney is more than just an expense tracker. It’s your personal finance assistant and smart money analyst. It helps you see the full picture, brings clarity to your financial life, and supports your long-term well-being. Rely on accurate data. When everything is transparent, you can make calm and confident decisions, focused on your real goals and priorities. Track spending and income automatically Zenmoney connects all your bank accounts and cards in one place, supporting over 3,300 banks worldwide. It automatically imports and categorises transactions across cards, cash, investments, savings, and even crypto accounts. There’s no need for manual entry — you get a clear, complete picture of your finances at a glance. You can also customise categories to match your personal needs and enjoy a detailed overview of your spending and income without any routine. Analyse your spending and understand your habits Zenmoney helps you see where your money goes each month and compare your spending across different periods. It highlights trends: which categories are growing, which are shrinking, and what impacts your overall budget the most. You also get a clear balance of income vs expenses, so you can easily spot if your spending starts to outpace your earnings. The app tracks your savings progress and shows how your reserves change over time — including how many months you could live without income, helping you build a stronger financial cushion. Get personalised insights with a GPT-powered assistant Zenmoney features a GPT-powered AI assistant that helps you understand your current financial situation, set goals, and create custom analytical charts — even those not included in standard reports. It can also analyse and compare spending across categories, generate insights for custom time periods, find old transactions, and suggest expenses you might want to optimise. With this personalised support, you gain a deeper understanding of your finances and make more confident decisions. Plan your budget and stay on top of future spending With Zenmoney, you can plan your essential expenses or create a full monthly budget. Choose whichever works best for you. You can schedule future calendar payments or set spending limits for specific categories and goals, and the app calculates your overall budget automatically. You’ll also see how much disposable income is left for spontaneous spending, and easily decide how much to put into virtual saving pots for each goal. The AI forecasts future spending based on your habits and history and highlights regular payments, upcoming bills, and subscriptions. All of them appear in a simple bill calendar, helping you avoid late fees and stop paying for subscriptions you no longer use. Bring Zen to your finances Zenmoney helps you get a clear view of your finances, plan thoughtfully, and feel at ease with your money. Instead of a traditional “home bookkeeping” approach, Zenmoney acts as your personal finance assistant. It remembers what matters to you, reminds you about upcoming payments, helps you understand spending patterns, and shows how much you can safely spend or save.

Version history

6 versions are listed, going back to v8.2.0. New versions arrive here every few months. Since v26.7 it requires Android 8.0+.

v26.8 LATEST Oct 2, 2026 175.6 MB TRUSTED v26.7 Sep 24, 2026 96.7 MB TRUSTED v26.6 Sep 18, 2026 95.6 MB TRUSTED v26.5 Jul 18, 2026 94.7 MB TRUSTED v8.9.1 Aug 4, 2026 96.8 MB TRUSTED

All 6 versions

Security & authenticity

Security rating: Trusted

Signing certificate

Signature matches the Google Play version Checked by the source store on Oct 2, 2026.
Certificate issued to “Zenmoney Ltd.” This is the certificate of the Google Play version.
Same certificate as the 2 other versions checked

Store checks and file details

Developer signature verified Oct 2, 2026
Validated against Google Play Oct 2, 2026
Signed byCN=Anton Fedosin, OU=CIA, O=Zenmoney Ltd., L=Sankt-Peterburg, C=RU
Signing certificate (SHA-1)A6:50:EA:AF:E1:C5:B8:65:DC:93:35:8F:8C:52:1F:E4:53:E1:08:DE
File MD5155f1e109e9be7c43d0cb376ecde6c35
Uploaded by “appupdater” Gold tier · 117,810 followers · uploading since 2020

Scans and ratings come from the source store; the certificate comparisons are AAPKs's own, made from the files' published signatures (2 other versions compared). AAPKs doesn't scan files itself — compare the MD5 and signer after downloading.

Permissions (31)

Zenmoney: expense tracker requests 31 permissions, 6 of them sensitive.

Bluetooth connect Sensitive android.permission.BLUETOOTH_CONNECT
Camera Sensitive android.permission.CAMERA
Display over other apps Sensitive android.permission.SYSTEM_ALERT_WINDOW
Find accounts on the device Sensitive android.permission.GET_ACCOUNTS
Read sms Sensitive android.permission.READ_SMS
Receive sms Sensitive android.permission.RECEIVE_SMS
Access adservices ad id android.permission.ACCESS_ADSERVICES_AD_ID
Access adservices attribution android.permission.ACCESS_ADSERVICES_ATTRIBUTION
Add home-screen shortcuts com.android.launcher.permission.INSTALL_SHORTCUT
Advertising ID com.google.android.gms.permission.AD_ID
Badge read (custom) com.sec.android.provider.badge.permission.READ
Badge write (custom) com.sec.android.provider.badge.permission.WRITE
Bluetooth android.permission.BLUETOOTH
Control vibration android.permission.VIBRATE
Foreground service data sync android.permission.FOREGROUND_SERVICE_DATA_SYNC
Full network access android.permission.INTERNET
Google Play install referrer com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE
In-app purchases (Google Play Billing) com.android.vending.BILLING
Internal broadcast protection (app-defined) ru.zenmoney.androidsub.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
Nfc android.permission.NFC
Prevent the device from sleeping android.permission.WAKE_LOCK
Read Google service settings com.google.android.providers.gsf.permission.READ_GSERVICES
Receive push notifications com.google.android.c2dm.permission.RECEIVE
Remove home-screen shortcuts com.android.launcher.permission.UNINSTALL_SHORTCUT
Run at startup android.permission.RECEIVE_BOOT_COMPLETED
Run foreground services android.permission.FOREGROUND_SERVICE
Show notifications android.permission.POST_NOTIFICATIONS
Use biometric hardware android.permission.USE_BIOMETRIC
Use fingerprint hardware android.permission.USE_FINGERPRINT
View Wi-Fi connections android.permission.ACCESS_WIFI_STATE
View network connections android.permission.ACCESS_NETWORK_STATE

Required hardware & features

Bluetooth android.hardware.bluetooth
Basic touch input android.hardware.faketouch
Portrait screen android.hardware.screen.portrait

Zenmoney: expense tracker APK: questions and answers

Is there a version of Zenmoney: expense tracker for older Android phones?

The current version needs Android 8.0 or later. Version 26.6 is the newest listed build that installs on Android 7.0 and later. Get version 26.6 · All versions

Can I install this APK over the version I already have?

Yes, if your installed copy is older. It is signed like the Google Play version, so Android installs it as an update and keeps your data.

Is Zenmoney: expense tracker free?

The APK is free to download, but the app offers in-app purchases through Google Play.

Is the Zenmoney: expense tracker APK safe?

No one can promise that a file is safe, but some things can be checked. The source store rates this file Trusted. Its signature matches the Google Play version. It is signed with the same certificate as the 2 other versions checked. After downloading, check that the file's MD5 is 155f1e109e9be7c43d0cb376ecde6c35.