No car/fuel cost tracking, no utility meter tracking, and no WhatsApp bot (Telegram only).
Pricing
Zenmoney
Free + Premium from $3.49/month
FinMan
Free forever — Premium AI features from $2.99/mo
What Zenmoney does well
Strong automatic bank sync across 3,300+ banks (especially Russia, Ukraine, Belarus and Kazakhstan), plus an AI assistant for spending analytics and forecasts.
What Zenmoney is missing
No car/fuel cost tracking, no utility meter tracking, and no WhatsApp bot (Telegram only).
FinMan instead:
- WhatsApp bot alongside Telegram — not locked to one messenger
- AI photo recognition for utility meter readings and fuel receipts
- Car cost-per-km tracking and a landlord-tenant utility module
Frequently asked questions
- Can I migrate from Zenmoney to FinMan?
- There's no automated import from Zenmoney yet — you re-create your categories in FinMan (takes a few minutes), and going forward you can log expenses manually, via bank import, or straight from Telegram/WhatsApp.
- Does FinMan have a free plan like Zenmoney?
- Yes — FinMan's free plan covers all core features (transactions, budgets, cars, utility meters, bots) with no time limit. Only the AI-powered extras are paid.
- What does FinMan do that Zenmoney doesn't?
- FinMan is the only one of the two with a Telegram/WhatsApp bot for logging expenses, AI photo recognition for meter readings and fuel receipts, car cost-per-km tracking, and a landlord-tenant module — see the full list above.