Privacy-first, no bank linking
Why ZhanPlan
is Different
Most finance apps ask for your bank password. ZhanPlan never does. You stay in control — and your data stays private.
Privacy-first by design
We never connect to your bank. You export a file yourself and upload it. Your bank credentials are never shared, requested, or stored — by anyone.
Full control, always
Every transaction is reviewed by you before it enters your dashboard. Edit categories, remove transfers, bulk-delete mistakes. Nothing commits without your approval.
AI that works for you
Our AI reads PDFs, CSVs, and screenshots. It separates real income from internal transfers. It categorizes 17 types of spending automatically. You just review and approve.
Built for real users
Not investors. Not growth metrics. ZhanPlan is built for people who want to take control of their finances — families, individuals, and coaches managing clients.
Side by Side
ZhanPlan vs the alternatives
ZhanPlan
Mint / YNAB
Spreadsheet
No bank linking required
AI reads your statements
Auto-categorization
Family sharing
Limited
Privacy-first (no OAuth)
Debt payoff planner
Health Score
Net worth tracking
Coach portal
No bank linking — ever
Your bank password stays yours.
Apps like Mint and Copilot ask for your bank credentials through third parties like Plaid. ZhanPlan never does. You export a CSV or PDF yourself — we read it, you approve it, and your credentials stay completely private.
Try it free — no bank linking required →