Zeta vs Auritrack
Zeta vs Auritrack: What to Use Now Zeta Is Gone
Zeta was a free joint-finances app and shared bank account built for couples, and Acorns shut it down on 9 May 2025. It is not coming back as a standalone app, so the real question is what to move to. Auritrack does a narrower job: it tracks and budgets your money with AI in any currency, but it is not a bank account.
- Pricing verified:
- Jul 2026
Zeta vs Auritrack: feature comparison
Feature comparison of Zeta and Auritrack
| Feature | Auritrack | Zeta |
|---|---|---|
| AI chat expense tracking | Yes | No |
| AI bookkeeping & categorization | Yes | No |
| Automatic bank sync | On the roadmap; statement import today | YesHad a joint account plus external account linking |
| Bank-statement import (PDF/CSV/Excel) | YesPDF, CSV or Excel, read by AI | No |
| Budgeting | Yes | YesEnvelope-style budgeting for bills and goals |
| Savings goals | Yes | Yes |
| Invoicing | Small-business records and reports | No |
| Receipt scanning | Yes | No |
| All currencies with live conversion | YesLive exchange rates | NoUS dollars only |
| Data export (PDF/CSV) | YesPDF and CSV anytime | Partial |
| Telegram tracking | Yes@auritrack_bot | No |
| Investment tracking | No | No |
| Shared / household accounts | Yes | YesBuilt for couples and families; core feature |
| Sells your data to advertisers | No | No |
| Price | Free tier + AI from $3/mo | Was free (discontinued) |
Which one is right for you?
Choose Zeta if…
- You specifically wanted a shared joint bank account with debit cards
- You needed shared bill pay built into the app
- You are in the US and only deal in dollars
- Envelope budgeting for a couple was the main draw
Choose Auritrack if…
- You want an AI tracker for spending across all your money, not a bank
- You would rather chat or import a statement than tap in transactions
- You track across more than one currency with live conversion
- You want budgets, goals and a bill splitter in one app
Rebuild your shared budget in Auritrack
Copy this prompt, create a free account, and paste it into the Auritrack AI chat. It sets up a shared budget so you and your partner replace the tracking side of Zeta, with the AI doing the sorting.
- 1
Copy the prompt
Grab the ready-made setup prompt below.
- 2
Create a free account
Sign up on the web app or mobile.
- 3
Paste into AI chat
Auritrack sets up your budget from it.
The verdict
Zeta is gone, so this is about the replacement. If what you loved was the shared bank account and cards, no tracker replaces that and you will need a banking product. If it was the money tracking and budgeting for a couple, Auritrack does that with AI in any currency, with a free tier to start and a bill splitter for shared costs.
Where Zeta still wins
- was a real joint bank account with debit cards
- built specifically for couples and families
- shared bill pay and envelope budgeting
Frequently Asked Questions
Looking to move off Zeta specifically? Read the Zeta alternative guide, which covers migration and what to expect after switching.
Compare other alternatives
Honeydue alternative
A free budgeting app for couples that links both partners’ accounts with per-transaction chat.
Spendee alternative
A multi-currency expense tracker with shared wallets and colourful spending visuals, popular with travellers.
Emma alternative
A UK-origin budgeting and subscription tracker that connects all your bank accounts in one place.
Compare and switch
Ready to try Auritrack instead of Zeta?
Auritrack does the bookkeeping for you — chat your spending or import a statement, in any currency. Start on the free tier and add the AI features when you want them.
Comparisons reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice.