About Zovora

One place for your bills, cards, pay-later plans, pots and pensions, and one honest number: what is safe to spend until payday.

Last updated 4 September 2026

Why it exists

A bank balance is one number on one day. Rent, card payments, instalments and savings all leave before the next payday, and none of them show up in it. Zovora holds each one against its date and its account, so what is left is what is actually left.

What it keeps track of

• Income and payday
• Bills and subscriptions, by the account each leaves from
• Credit cards: balances, limits, minimums and a payoff route
• Loans, finance plans and pay-later orders, instalment by instalment
• Savings pots, investments and pensions you value yourself
• Day-to-day spending you log

Manual, on purpose

You type in what you want tracked. There is no bank connection and no credentials to hand over, which also means Zovora can hold the things bank feeds miss: pay-later plans, card minimums, cash income. Every figure is labelled for what it is. Payoff dates are estimates from your entries, and investment values are what you report, not promised returns.

What we will not do

Zovora will never advertise a loan or promote borrowing that charges interest. It exists to help people see their money clearly and owe less.

What Zovora is not

• Not a bank or a payment service. It cannot hold or move money.
• Not financial advice, and not a regulated adviser.
• Not a credit score. The Zovora Score comes only from what you have entered, no lender sees it, and it has no effect on your credit file.

Where it is up to

Private beta, in the UK, in pounds, free for beta users. Pricing will be confirmed before public launch. Join the beta list to be told when a place is ready. The privacy notice sets out exactly what is stored.