Zemoc - Financial Management

Take control of your money without sending a single cent to the cloud.

Zemoc is a personal finance tracker that lives entirely on your device. Track your subscriptions, expenses, and income — see what you really spend each month, forecast how the month ends, and never be surprised by a recurring charge again.

WHY ZEMOC

• Offline-first. No account, no signup, no cloud sync. Your financial data never leaves your phone.
• Subscription-first. Most expense apps treat Netflix the same as a coffee. Zemoc separates recurring charges so you can actually see what is eating your budget each month.
• Your numbers, your rules. Built for real people watching personal finances — not for accountants filling spreadsheets.

KEY FEATURES

• Dashboard with running balance: "April ended at +500, May starts there."
• Subscription tracking — monthly and yearly, with next billing date for each
• Quick expense entry — type "15 coffee" and Zemoc categorizes it for you
• Income tracking — salary, freelance, bonuses, investments and more
• End-of-month forecast based on realized and planned spending
• Top categories and insights to show where your money actually goes
• "Subscriptions to review" — flags services you might want to cancel
• Monthly navigation — jump to any past or future month
• Backup and restore in JSON plus CSV export — your data is always portable
• PIN and biometric lock (Face ID, Touch ID)

PRIVACY AT THE CORE

• Data stored locally with your device's secure storage
• PIN stored in iOS Keychain
• No analytics SDKs, no ads, no third-party trackers
• No account needed — ever

LANGUAGES

English and Portuguese (Brazilian).

CURRENCIES

EUR, BRL, and USD.

Built for people who want a real picture of their finances — not another app that wants their data.