EnglishMoney, off your mind.
Zelvo is the calm home for your money. Budgets, investing and daily spending — read, sorted and followed through by a companion that never acts without you.
- No bank logins needed
- Nothing changes without your approval
- Delete everything, anytime
You talk. It does the work.
Every change Zelvo makes is proposed first, applied only with your approval, and comes back as a receipt with Undo. The narration is the product: you always see what it read, what it did, and how to reverse it.
Every account, budget and investment — one calm line.
Cash, categories, goals, crypto and stocks live in one model, so the forecast is real math on your real numbers. Link an investment to a budget and it joins that budget's net worth and its future.
2 categories are over this cycle — 326 zł past their limits.
Stocks, chains and yield — in the same calm.
Most apps stop at budgets. Zelvo holds the other half of your money too — without ever pretending it is cash.
Crypto onboarding without the ceremony
Paste any address — Bitcoin, Ethereum, Solana, Tron, TON — and Zelvo detects the chain and just watches it. No keys, no signatures, no custody. Read-only until you say otherwise.
One portfolio, not five apps
On-chain wallets, broker CSVs and exchange accounts land in the same list, valued daily in your currency — and linked into your budget’s net worth.
Yield you can see, not a pitch
Live rates from real venues with honest risk labels. Zelvo shows and explains — it never tells you what to buy, and only your own wallet can sign.
Your whole financial life, one loop.
Money in, budgets, goals, investments, net worth, forecast — every piece feeds the next, so nothing has to live in a spreadsheet on the side.
The debt spiral gets caught early
When spending keeps outrunning income, the forecast does not average it away — it flags the month your buffer runs out, while it is still months away and cheap to fix.
- Move money between budgets in one action — both sides stay honest.
- Net worth separates cash from investments. Holdings never inflate what is spendable.
- What-If sandbox: raise the rent, add a salary, plan an investment — see the line move before real life does.
Built quiet.
Receipts, not confirmations
Changes read as done-facts with Undo attached — never a form submit that vanishes into the void.
Narrated numbers
A number never stands alone. Zelvo pairs it with what it means: the pace, the delta, the sentence.
Thinking you can see
While the companion works it narrates its actual step — never a spinner pretending to be progress.
Your keys stay yours
Crypto is watch-first. Zelvo never holds your funds and never signs a transaction for you.
Most money apps hand you a spreadsheet and call it help. The chaos stays yours to manage — the app just watches.
Zelvo is built the other way around: a companion reads, sorts and follows through, then shows its receipts. You stay the one who decides.
Calm clarity is the entire product. If a screen makes you feel behind, we treat that as a bug.
What Zelvo is — and isn't.
Is Zelvo a bank?
No. Zelvo doesn't hold deposits and never asks for your bank login. You bring your numbers — by hand, by statement import, or by telling the companion — and they stay yours.
Does Zelvo move my money?
Never on its own. Every change is proposed first, applied only with your approval, and comes back as a receipt with Undo.
Does Zelvo give financial advice?
No. Zelvo is a budgeting companion — it organizes, computes and informs. It doesn't tell you what to invest in, and any yield it shows comes with its risks stated plainly.
What does it cost?
There's a real free tier. Basic and Pro add more room and deeper features — and you don't need a card to start.
Can I leave?
Anytime. Export your budgets, then delete your account. It's a hard delete, not a soft archive.
Ready when you are.
- No bank logins needed
- Nothing changes without your approval
- Delete everything, anytime