19 features.
One money app.

Upload any payslip — photo or PDF — and Zuro reads it with AI vision. Get a plain-English breakdown of gross pay, tax, National Insurance, pension and your real take-home.

• ✓Supports all UK payslip formats
• ✓Identifies your tax code and checks it
• ✓Calculates effective tax rate
• ✓Stores history so you can compare months

Estimate your Student Finance England maintenance loan by household income and study location, then build a real weekly budget for rent, bills and everyday costs — no login required.

• ✓Official 2026/27 SFE rate bands
• ✓City-specific rent averages
• ✓Editable, auto-rebalancing budget
• ✓Cut The Crap mode calls out bad budgets

Paste a Rightmove or Zoopla listing and Zuro checks it against your income, credit and spending. Get an honest readiness tier, the reasons behind it, and concrete steps to improve your chances.

• ✓Reads publicly listed rent and requirements
• ✓Cross-references your payslip and credit
• ✓Never guarantees an outcome, only likelihood
• ✓Ask follow-up questions about the property

Paste a Rightmove or Zoopla listing and Zuro checks the deposit you'd realistically need against your real payslip income — plus a blunt "Live in Direct" AI mode for when you want it straight, no softening.

• ✓Reads the listed price straight off the page
• ✓Uses a standard 4.5x income mortgage multiple
• ✓Ask-anything AI box, with a Live in Direct mode
• ✓Falls back to manual city/percentage planning

Zuro separates committed money (rent, bills, essentials, savings) from flexible money before you touch a penny. The number you see is what you can actually spend.

• ✓Bills-first calculation
• ✓Daily allowance breakdown
• ✓Updates when you change inputs
• ✓No bank connection required to start

A live simulation of your finances. Test spending decisions, life changes and credit moves before they happen. See the consequence before the money leaves.

• ✓Money Time Machine — drag time forward
• ✓Spend Blast Radius — test any purchase
• ✓Life Decision Calculator — new flat, job change, phone contract
• ✓Credit Score Simulator
• ✓Bill Sniper — spot leaking subscriptions
• ✓Zuro Proof reliability score

Turn payday into a protected plan automatically. Rent, bills, food, travel and savings are locked away first — what's left is yours to spend without guilt.

• ✓Step-by-step protection flow
• ✓AI plain-English explanation
• ✓Test a spend before paying
• ✓Banking roadmap for future real rails

Connect your UK bank account so Zuro can pull balances and transactions into the Financial Twin. We're finishing our Open Banking provider's production approval, so this is launching soon.

• ✓Secure OAuth consent flow
• ✓Read-only — Zuro never moves money
• ✓Tokens encrypted at rest
• ✓Disconnect any time

Track your credit score, understand your utilisation, and get actionable nudges that actually move the number — not generic advice.

• ✓Utilisation tracking
• ✓Payment streak monitoring
• ✓Improvement actions
• ✓Score history over time

Ask anything about your payslip, credit, bills or finances in plain English. The assistant knows your decoded payslip context and gives relevant answers — not scripted FAQs.

• ✓Payslip-aware responses
• ✓Explains tax codes and deductions
• ✓Bills and credit guidance
• ✓No financial jargon

Log every direct debit and recurring bill. Zuro shows what's due, how urgent it is and which ones have autopay set up — so nothing catches you short.

• ✓Urgency dots — red, amber, green
• ✓3-day warning before due date
• ✓Autopay badge
• ✓Notification toggle per bill

Set savings goals with deadlines and track progress. Quick-add buttons make it easy to log contributions. Goals turn green when you hit the target.

• ✓Multiple goals at once
• ✓Deadline tracking
• ✓Progress bars
• ✓Green completion state

Transactions are auto-tagged into categories — groceries, transport, eating out, subscriptions and more. See where your money actually goes, not where you think it goes.

• ✓10 categories with colour coding
• ✓Auto-tagging from transaction descriptions
• ✓Filter by category
• ✓Monthly totals per category

Earn badges as you build better money habits — first payslip decoded, credit score milestones, saving streaks, spending under budget. Progress feels good.

• ✓10 achievements across 5 categories
• ✓Earned date tracking
• ✓Filter by category
• ✓Gradient badge icons

Drag a salary slider and Zuro calculates live PAYE tax, National Insurance, pension and your real take-home — before you negotiate or accept a job offer.

• ✓Live PAYE calculation
• ✓NI and pension included
• ✓£800–£5,000 salary range
• ✓Safe-to-spend output

Preview the card rule engine inside the Financial Twin. Set rent locks, bill locks, weekend caps and survival mode — and see which spends would be allowed, slowed or blocked.

• ✓Rent lock
• ✓Bill lock
• ✓Weekend cap
• ✓Survival mode

Share your personal referral link and track who you've invited and who has signed up. Early beta access rewards coming for top referrers.

• ✓Personal referral link
• ✓Copy to clipboard
• ✓Invited and signed-up tracking
• ✓Beta rewards planned

Download everything Zuro holds about you — payslips, transactions, bills, credit history, goals. Your data belongs to you, always.

• ✓CSV and PDF formats
• ✓All payslip breakdowns
• ✓Transaction and bill history
• ✓One-click export

A user-controlled reliability passport that scores your money behaviour — rent coverage, daily runway, credit utilisation and bill shortfalls — in one number you own.

• ✓0–100 reliability score
• ✓4 signal categories
• ✓Updates live with Twin inputs
• ✓User controlled, not lender controlled