16 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

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 a UK bank account via TrueLayer. Zuro pulls account balances and recent transactions into the Financial Twin so simulations use real numbers.

• ✓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