An AI buddy that manages your money so your brain doesn't have to.
Built by an ADHD founder, for brains that were never built for budgeting. Visual envelopes, a no-shame coach named Penny, and zero spreadsheets.
How Zado protects your money
- Your bank login never touches Zado. You sign in to your bank through Plaid.
- Read-only: Zado can see your money, but it can't move it.
- Penny's AI runs at Anthropic, which normally deletes what we send within 30 days and doesn't train on it.
- We never sell your data.
Start your journey
30 days free, starting when you first see your money · No card
30-day money-back guarantee. 30 days free, no card. Not for you? Ask within 30 days of paying and we'll refund your payment in full. No questions.
How refunds work ›This is how Penny talks
Connect your bank and Penny reads all of it at once — builds your envelopes from how you actually spend, flags the subscriptions you forgot, and explains the whole picture in plain language. One conversation, not four tools.
- AI Coach Claude in a coach voice that understands ADHD and money. No judgment, ever.
- Envelope System Visual envelopes without spreadsheets. Set up through conversation.
- Catch forgotten subscriptions The recurring charges quietly draining your account — surfaced, not buried.
- Bank Sync (when you’re ready) Connect your bank for personalized insights. No rush, no pressure.
After your free trial: $149/year
That’s less than $3/week for financial peace of mind. Cancel anytime.
Built by an ADHD founder who got tired of money apps that made him feel stupid. — Nicholas · Read the story →