Plain words, not jargon
“Groceries has $82 left for 9 days.” Comfortable, Tight, Funded, Due Soon — labels a human understands at a glance.
/ in·ZOH·loh / · isiXhosa for peace
The budgeting app calm enough to open every day.
Inzolo gives every dollar a job, turns a messy pile of transactions into one quiet review queue, and tells you in plain words what to do next. Money made clear — not stressful.
No credit card. Your data stays yours. AI assists — you approve every money decision.
Zero-based envelopes Import from your bank, CSV & OFX Rules-first categorization Snowball & avalanche debt payoff Built for calm, not spreadsheets
Why Inzolo
Most money apps make you feel behind. This one helps you breathe.
Charts you don’t read. A ledger that never reconciles. Notifications that only ever mean bad news. Inzolo flips the daily experience: lead with what’s safe to spend, what needs a moment of attention, and one clear next step — then let you close the app in under two minutes.
You stay in control
Rules and your own history do the heavy lifting. AI only steps in when it’s unsure — and nothing touches a balance until you approve it.
A two-minute daily loop
Open it, approve what came in, check what’s safe to spend, move money if you need to, and get on with your day.
What’s inside
Everything you need to run the money, nothing you don’t.
The full zero-based workflow — built and tested — wrapped in a deliberately quiet design.
Zero-based envelopes
Give every dollar a job with “Ready to Assign,” category groups, rollover, and one-tap move-money to cover overspending.
Import from everywhere
Connect your bank via SimpleFIN, or upload CSV and OFX/QFX exports. Every path lands in the same review queue, deduped automatically.
Smart approval queue
Imports arrive pre-sorted by confidence with a category guess. Rules and history first, AI as a careful fallback, you with the final say.
Debt payoff planner
Compare snowball vs. avalanche, slide your extra payment, and see a real debt-free date and the interest you’ll save.
Calm coaching
A weekly check-in, gentle drift alerts, and plain-language suggestions drawn from your real budget — encouraging, never scolding.
Reminders & reports
Payday, bill, review and import reminders with quiet hours — plus spend-by-category trends and a net-worth view.
What makes Inzolo different
It doesn’t just budget. It tells you what to do first.
Most envelope apps say “give every dollar a job” and leave the order to you. Inzolo adds a Priority Ladder — a clear sequence so your first dollars go where they matter most, and you always know your single next move.
1 On track
Give & pay yourself first
Set aside giving and savings before spending — optional, fully configurable.
2 You are here
Protect from hardship
A starter emergency fund, auto-sized from your own monthly spending.
3 Next
Eliminate debt
Roll each freed payment into the next — to a real debt-free date.
4 Later
Save & invest
A bigger cushion, then goals for a home, education, and the future.
5 Later
Give & bless others
When the floor is solid, generosity becomes a plan, not a guess.
Surface one next action — not ten. The ladder is on our roadmap; the budget engine beneath it ships today.
One quiet queue
Every transaction, reviewed once.
Bank sync, CSV, and OFX/QFX all flow into a single approval queue. Inzolo deduplicates exact rows, guesses a category, and waits. Nothing changes a balance until you say so.
- SimpleFIN bank connections with nightly sync
- CSV column mapping you set once and reuse
- OFX/QFX auto-mapping with deterministic dedupe
- Approvals quietly teach payee rules for next time
Debt, with a finish line
Watch the payoff date move toward you.
Add your balances, APRs and minimums. Inzolo compares the snowball (smallest balance first, for momentum) against the avalanche (highest rate first, for savings) and shows exactly what an extra $50 a month does.
- Side-by-side snowball vs. avalanche
- Live balances when you link a card account
- A concrete debt-free date and total interest saved
- The honest trade-off: math vs. motivation
The daily loop
Two minutes, then close it.
Inzolo is designed to be opened, used, and set down — not lived in.
Connect & assign
Link your bank or import a file, then give every dollar a job with starter envelopes.
Approve what came in
The queue arrives pre-categorized by confidence. Tap to approve, recategorize, or split.
Check what’s safe
See safe-to-spend and any envelope that needs attention. Move money in one tap to cover it.
Let the coach nudge
A weekly check-in surfaces drift, wins, and your one next move up the ladder.
Our promise about AI
“AI assists. Rules decide. You approve.”
Deterministic rules and your own approved history are the core system. AI is a careful fallback for the uncertain cases and the plain-language explanations — never a hidden hand on your money.
A note from the maker
“I built Inzolo for my own household first — for the version of budgeting my wife and I would actually keep up with. Calm, honest, and quick. If it earns a place in your daily routine, it’s doing its job.”
— Building Inzolo in the open
Questions
Good to know
What does “Inzolo” mean?
It’s isiXhosa for peace or tranquility, pronounced / in·ZOH·loh /. That’s the whole goal: a money app calm enough to open every day.
Is this zero-based / envelope budgeting?
Yes. You assign every available dollar to a category until “Ready to Assign” reaches zero. Balances roll over month to month, and covering an overspent envelope is a single tap of move-money.
How does the AI categorization work?
Rules and your approved history run first. Only when those are uncertain does AI suggest a category, always with a confidence score and explanation. Imported transactions stay unapproved — and out of your balances — until you accept them.
Which banks and files can I import?
Connect accounts through SimpleFIN for nightly sync, or upload CSV and OFX/QFX exports from virtually any bank. Plaid support is on the roadmap. Every import is deduplicated and lands in the same review queue.
Is my financial data private?
Your data is yours. Inzolo stores money as exact integer cents in an append-only ledger, keeps provider credentials isolated, and never makes a money decision without your approval. The app is also designed to be self-hostable with Docker.
Can I use it on my phone?
The web app is responsive and works well on mobile today. A native iOS companion for the daily review-and-approve loop is on the roadmap.
Is it available now?
Yes. Inzolo is in active development, but you can create an account today at app.inzolo.com and start testing the workflow yourself.
Available now
Start budgeting with Inzolo today.
Create an account and try the calm budgeting loop now. No waiting room, no pretend form, no email vanishing into the couch cushions.