Personal finance · UK

Money,
made meaningful.

A personal finance app that helps you organise your money, understand where you stand, and plan for the future.

GET IT ONGoogle Play Download on theApp Store

Out now on iOS and Android. Free, private and ad-free.

Free · 30 seconds

What's your Financial Age?

Your finances have an age of their own. The further it runs ahead of your real age, the stronger your position. Pop in a few numbers for an instant estimate.

Your age

years

Annual income

Savings & investments

Pension pot

Home / property value

Mortgage & loans

A quick estimate using the same approach as Zelli — the app refines it with your full picture. Nothing you type here is stored or sent anywhere.

Fill in your details and hit calculate — your Financial Age will appear here.

Your estimated Financial Age

—

1880

Financial AgeYour real age

Net worth percentile (UK)Top 18%

Retirement readinessOn track

Future You · net worth at 60£612,400

Want the full report?

Unlock your percentile, retirement readiness and Future You forecast inside Zelli.

Get the full picture — download Zelli

Why Zelli

Everything about your money,
in one calm place.

Most of us juggle money across a dozen apps, tabs and notes. Zelli brings it together — and then helps you make sense of it.

Organise

Keep bills, subscriptions, assets and important dates in one place — no more scattered spreadsheets.

Understand

See your financial health, net worth and Financial Age — a clear read on where you actually stand.

Plan

Experiment with your future using "Future You" and retirement planning. See what tomorrow could look like.

Stay in control

Renewals, reminders and monthly check-ins keep you ahead of every date that matters.

App preview

People buy with their eyes.

So here's the real thing — actual screens from the app. Tap through the ones you'll use every day.

Dashboard

Your whole money picture, the moment you open the app.

Income, what's left this month, your net worth and a financial health read — all on one calm screen.

Features

Plenty under the hood —
none of the clutter.

Grouped the way you actually think about money, so you always know where to look.

Bills

Renewal reminders
Shared bills
Provider details
References

Wealth

Net worth
Assets
Debts
Mortgage tracking

Planning

Retirement
Financial Age
Future You
FIRE & Coast FIRE
Event planning

Insights

Financial Health
Monthly Check-ins
Money Boost actions
UK comparisons

Security

Your money is yours.
So is your data.

Zelli is built privacy-first. Your data lives on your device by default and is encrypted where it matters — never packaged up and sold on.

On your device by default

Your data lives on your device. Nothing leaves it unless you choose to turn on backup.

Encrypted vault

Sensitive entries in your vault are encrypted on your device with AES-GCM (256-bit), unlocked only by your passphrase.

Zero-knowledge backup

Optional, and off by default. Turn it on and everything is encrypted before it leaves your phone — we only ever hold an unreadable blob, with no account.

Never sold

We never sell or rent your personal information. Full stop.

Private by default

Here's what Zelli does with your data by default.

Bank connection Not required

Personal data sold Never

Vault entries Encrypted

Cloud backup Optional

Reviews

No testimonials yet — and we won't fake them.

Zelli only just launched. Rather than put words in strangers' mouths, we'd rather earn a real review from you. If it helps, say so on the store — if it doesn't, tell us at support@zelli.app.

App Store

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Google Play

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FAQ

Good questions.

No — and that's deliberate. Zelli doesn't need access to your bank to be useful. You enter what matters to you, and Zelli does the organising, understanding and planning. No open-banking permissions, no third party pulling your transactions.

Zelli is privacy-first by design. Your data lives on your device by default, not on our servers — so there's nothing central for us to lose, share or sell. Sensitive entries in the vault are encrypted on your device using the Web Crypto API (AES-GCM 256-bit, with a PBKDF2 key derived from your passphrase), and that passphrase is only ever held in memory — we never see it. Backup is optional and off by default; if you switch on cloud backup, your data is encrypted on your phone before it's sent, so the server only ever holds an unreadable blob with no account attached. As with any app that holds personal information, it's still worth keeping a passcode or biometric lock on your device, and choosing a strong, memorable vault passphrase (if you lose it, we can't recover your vault — that's the point).

Yes — your data belongs to you and nothing is locked in. You can export a backup file at any time and import it on a new phone, so moving devices is simple. There's also an optional, end-to-end encrypted cloud backup: it's off by default, needs no account, and encrypts everything on your device first — you keep a recovery code and passphrase, and the server only ever stores an unreadable blob. Turn it on for peace of mind, or leave it off and keep everything strictly on your device.

Yes — it's here. Zelli is available now on both the App Store and Google Play, free to download on iPhone and Android.

Yes — and properly so. Zelli is free to use, private by design, and will never show you ads or sell your data. There's no premium tier hiding the useful bits behind a paywall, and nothing competing for your attention — just a calm, honest place to look after your money.

Money,
made meaningful.