Zerna
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Zerna Wealth

Every pile of money in one place

Your own money, the household budget, a trip, a small shop — each in its own book, shared only with the people it concerns, and still read together on one page.

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Free for 30 days · no card needed

Three things that make it more than an expense tracker

Several piles, kept apart

The house, a trip, a shop and your own spending live in separate books with their own categories and their own reports, and still add up to one picture when you want it.

Share the book, not everything

Invite a partner, the people on a trip, or somebody who works for you, into the one book they need. Books you have not shared stay yours, and a private account is invisible to everybody else.

Three taps and it is written down

Tap a category on the home screen, type the amount on a keypad that does the arithmetic, and save. No menu to open first.

What it looks like

Taken from the running app, with sample data. Swipe to see more.

Everything it does today

Counted off the running app, not off a plan

Writing it down

  • Tap a category on the home screen and be done in three taps
  • A keypad that adds, subtracts, multiplies and divides
  • Account, sub-category, date, time and note in one sheet
  • A calendar of its own for backdating, to the minute
  • Enter an amount in another currency and have the rate applied
  • Override the exchange rate on a single entry
  • Refuses to spend more than a debit account holds
  • Edit an entry later, including which category it belongs to
  • Five seconds to undo a deletion
  • Attach a receipt, open it full screen, take it off again
  • A default account remembered per book and per person

Accounts and balances

  • Add, edit, delete and reorder accounts yourself
  • Account types for savings, credit cards and cash
  • Change an opening balance and it writes an adjustment rather than rewriting history
  • Several currencies, each account holding its own
  • Assets, liabilities and net worth, converted for you
  • Hide one balance, or every balance on the page, with one button
  • Choose which accounts count towards your assets
  • Private accounts, invisible to everybody else in the book
  • Filter to the accounts you created, list and totals alike
  • Per-account activity: in, out, net, by day, month or year
  • An outside account, for money entering and leaving the household
  • Debit cards and e-wallets, beside bank accounts, cash and credit cards
  • An account counting in another currency says so beside the figure, with what it comes to at home

Credit cards

  • Statement day and credit limit, with cycles named after the real cut-off
  • Pay a card down, splitting it across several accounts at once
  • Tick a statement off against the paper one, twelve months back
  • Warns when a change of date moves an entry into another cycle
  • Pay the statement that has closed, or everything outstanding
  • A ribbon on the corner of a row says which statement it was agreed onto
  • A bank charge can go on a card payment, as its own row with a category

Transfers between accounts

  • Move money between your own accounts, either direction
  • A transfer fee is an entry of its own, with a category
  • Add, change or remove that fee afterwards
  • Move money across currencies into an investment account, typing either side or both
  • Income into an account of another currency is written whole, conversion and all

Investments and things you own

  • Investment accounts for brokers, exchanges and gold accounts, holding cash and positions alike
  • Record buys, sells, moves between accounts, and dividends
  • What you hold is worked out from the trades every time, never stored as a figure
  • Average cost, FIFO or LIFO, chosen per holding
  • Market prices fetched for you, crypto and bullion, each saying where it came from and when
  • Portfolios group holdings across accounts, with value, cost and unrealised gain
  • Gold and silver bullion are held by weight, not by a figure typed in
  • Houses, vehicles and funds can be revalued, kept as a history rather than written over
  • Buy with money in an account of another currency, converted as it moves in
  • Net worth keeps what has been invested apart from what the household holds

Books and categories

  • As many books as you need, each with its own icon, colour and currency
  • Switch books from the top bar, or swipe across the home screen
  • Categories and sub-categories, from two hundred icons and twenty colours
  • Ready-made category sets for a household or a business, one at a time
  • Three ways to delete a category: on its own, moving its entries, or taking them with it
  • The book's owner decides which accounts that book can see

Sharing a book

  • Invitation links expire, can be revoked, and are shown once
  • Invite by QR code, and scan one to join
  • Three levels per book: owner, manager and member
  • Every entry says who wrote it, every account who made it, every deletion who did it
  • You may edit the entries you wrote
  • A manager can read another person's account activity

Budgets

  • Monthly or yearly budgets, per category
  • A ring on the category card: green, amber, red
  • What is left of the budget, shown while you are typing the amount
  • Monthly and yearly totals at the top of the page

Repeating entries

  • Weekly, monthly or yearly, for a set number of times or forever
  • They appear on the day, and catch up on any that were missed
  • A banner on the home screen when one is stuck for want of money
  • Schedule a one-off, for something you already know is coming

Reports

  • Twelve periods of trend, income against spending, with the change each time
  • Doughnuts by category, person and account, switching between share and amount
  • Assets and liabilities, with net worth plotted backwards
  • A custom report with eight filters and five ways to group
  • A six-period summary table, with a budget column
  • Export to CSV
  • Day, week, month, year, a range of your own, or all of it

The calendar

  • Weekly, monthly and yearly calendars with the day's total in the cell
  • Read a single day without losing the period you were looking at
  • A "today" button that appears only when today is out of view
  • Fifty more entries at a time

Reading with AI

  • Attach a receipt and have the amount read off it, filled in only if the field is empty
  • Compares the receipt against what you typed, and says so rather than refusing
  • Write "lunch 60 baht" in LINE and it is recorded
  • Send a receipt to LINE and it is recorded
  • Change which book you are writing into, from the chat
  • A settings row showing how much of the month's allowance is spent

With LINE

  • Sign in with a LINE account
  • Connect or disconnect LINE yourself, in settings
  • A rich menu that opens the app from the chat
  • Ask for a password reset link through LINE
  • Sign up with LINE

Settings and the rest

  • A thirty-day bin, restoring categories and accounts along with an entry
  • Thai and English, with the Buddhist calendar when read in Thai
  • Three text sizes, applied to the whole app
  • Your own timezone, which every period is counted in
  • Display name, password, and your own default account
  • Add it to a home screen and open it like an app
  • Collapse the blocks on the home screen, remembered on that device
  • A tour the first time a credit card is opened, from agreeing a statement to paying it

What this is not

  • It does not connect to your bank. Every entry comes from somebody writing it down or sending a receipt.
  • It is not accounting software: no chart of accounts, no financial statements, no tax invoices.
  • It sends no push notifications, neither through LINE nor through the app.

Pricing

The free plan has no time limit. Pay when you want more books, more people, or the app to read your receipts.

Everyone who signs up gets the full SME/Freelance plan free for 30 days. After that it becomes the free plan on its own — no card, and nothing is charged.

Most people pick this one

Family

Partners and families

฿1,188 Save 25%

฿890 / a year

฿75 a month, billed yearly

30 days free

SME/Freelance

Small teams and several incomes

฿2,388 Save 17%

฿1,990 / a year

฿166 a month, billed yearly

30 days free

The three side by side

Free Family SME/Freelance 30-day trial Everyone who signs up starts here
Accounts Unlimited Unlimited Unlimited Unlimited
Writing entries in LINE Unlimited Unlimited Unlimited Unlimited
CSV export Included Included Included Included
The other fourteen groups All of it All of it All of it All of it
Books 2 5 Unlimited Unlimited
People per book 1 4 10 10
Repeating entries 3 20 Unlimited Unlimited
Receipts read by AI Not included 200 a month 1,000 a month 50 for the whole trial
Credit card statement check Not included Included Included Included
Portfolios grouping holdings Not included Included Included Included
Market prices fetched for you, crypto and bullion Not included Not included Included Included
Reporting across several books Not included Not included Included Included
Custom report, eight filters Not included Included Included Included
Net worth plotted backwards Not included Included Included Included

Questions people ask

Does the free plan expire?
No. It lasts as long as you want it, takes no card, and puts no limit on how much you write down.
If I stop paying, do I lose anything I wrote?
No. Everything you already have stays readable. What closes is making new things beyond the limit: existing books still open, reports still work, and exporting your own data is never restricted.
Why is the number of accounts unlimited on every plan?
Because assets and net worth are added up from every account you hold. Hiding the ones over a cap would make the figure this app exists to show wrong, so it is never capped.
Is writing entries in LINE really free?
Yes, and unlimited on every plan. What counts against an allowance is having a photographed receipt read by AI, which is the only thing in the app that costs money each time it is used.

One book is enough to start

The free plan has no time limit, no cap on accounts, and no cap on what you write down.

Start free