Freedom251 › Personal Finance Software
Zoro
What Zoro is
Zoro is a free iOS personal finance app for tracking net worth, cash flow, and major money decisions. Its ledger covers savings, brokerage and crypto investments, property, personal loans, car loans, credit cards, and mortgages, including holdings in multiple currencies. Zoro does not connect to banks automatically; you enter the information you choose. You can add rows manually or import screenshots, photos, and PDFs. AI import is optional and asks permission before sending a selected document to Google’s cloud AI, which can be disabled in Settings. The ledger stays on the device by default, and the maker says it does not sell user data. The App Store disclosure says the developer does not collect data from the app. Zoro offers report export, retirement planning, and historical-return backtesting. The free plan costs nothing and includes core tracking, setup imports, and one free import per month after setup. It is described as MIT-licensed open-source software.
Who it suits
Zoro suits anyone wanting a private, manually maintained view of finances, including people with diversified or multi-currency holdings. It is for iPhone and iPad users on iOS 14.0 or later or iPadOS 14.0 or later.
What it does well
- Tracks assets, liabilities, and cash flow
- Supports multiple currencies in one ledger
- Optional document imports with consent
- Retirement planning and historical backtesting
- MIT-licensed open-source software
What to know first
- No automatic bank synchronization
- Available on iOS only
- Free plan allows one monthly import after setup
- AI imports send selected data to Google cloud
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | Core tracking · setup imports · one free import per month after setup | Free |
| Import credit | 1 credit | On request |
| Zoro Pro | Monthly; App Store listing shows $9.99 · Unlimited imports and exports · customize helpers | $9.99 a month |
As getzoro.com lists them, read 12 Oct 2026. The maker's own page has the final word.
Verdict
Zoro focuses on private, device-based financial tracking without bank connections. Its broad ledger, document imports, and retirement tools are useful for manual record-keeping, while iOS availability and import limits narrow the fit.
Facts from Zoro's own pages
- Account sync
- manual · getzoro.com, 22 Sept 2026
- AI provider
- The support page says Zoro asks permission before sending import data to Google's cloud AI, and that Cloud AI can be switched off in Settings. · getzoro.com, 12 Oct 2026
- Assets and liabilities
- It supports savings, investments including brokerage and crypto, property, personal loans, car loans, credit cards, and mortgages. · getzoro.com, 12 Oct 2026
- Bank connections
- Zoro does not sync with banks; users enter the information they choose. · getzoro.com, 12 Oct 2026
- Currencies
- Holdings in multiple currencies can be kept in one ledger. · getzoro.com, 12 Oct 2026
- Document imports
- Users can import screenshots, photos, and PDFs, or add ledger rows manually; AI import is optional and requires consent before sending the selected document. · getzoro.com, 12 Oct 2026
- Free plan
- Yes · getzoro.com, 22 Sept 2026
- Intended users
- The maker says Zoro is for anyone seeking a private view of their finances and calls out high-net-worth individuals with diversified, multi-currency portfolios. · getzoro.com, 12 Oct 2026
- iOS compatibility
- The App Store listing supports iPhone and iPad and requires iOS 14.0 or later and iPadOS 14.0 or later, respectively. · apps.apple.com, 12 Oct 2026
- License
- The maker describes Zoro as MIT-licensed open-source software. · getzoro.com, 12 Oct 2026
- Mobile apps
- ios · getzoro.com, 22 Sept 2026
- Net-worth tracking
- Yes · getzoro.com, 22 Sept 2026
- Privacy
- The ledger stays on the device by default, optional Cloud AI can be turned off, and the maker says it does not sell user data. · getzoro.com, 12 Oct 2026
- Product
- Zoro is a privacy-first personal finance app for tracking net worth, cash flow, and major money decisions. · getzoro.com, 12 Oct 2026
- Report export
- Yes · getzoro.com, 22 Sept 2026
- Retirement planning
- The App Store description says users can plan for retirement and backtest their corpus against historical returns. · apps.apple.com, 12 Oct 2026
- Store privacy disclosure
- The App Store listing states that the developer does not collect data from the app. · apps.apple.com, 12 Oct 2026
- Support
- The maker says email is the fastest way to get help with app, billing, subscription, import, and privacy questions, and aims to reply within a few business days. · getzoro.com, 12 Oct 2026
Where Zoro stands on Freedom251
- Personal Finance Software#129 of 181