Spend with intention.
Save with confidence.
Cuzo is a modern budgeting app built for young earners. Track every dollar, split what you share with flatmates and friends, and set budgets that scale with your income — no bank logins, no spreadsheets, no jargon.
Free to use · Takes 90 seconds to set up
Why Cuzo
Three things every other budgeting app gets wrong
Budgets that scale with your income
Set spending limits as a percentage of what you earn — not a fixed dollar amount. When your paycheck grows, your budgets adapt automatically. No spreadsheet rebuilds after every raise.
No bank logins. Ever.
Mint, Rocket Money, and Copilot ask for your bank credentials. Cuzo doesn't. Logging an expense takes seconds and builds the kind of awareness an automated feed never will — research shows people who log spending manually spend less.
Insights, not data dumps
Every month, Cuzo writes you a short story about your spending — what changed, what's working, what to watch. No 47-tab dashboards. Just the answer to 'how was my month?'
New in 1.0
Crews — for everything you don't pay for alone
Rent with flatmates, a weekend away, groceries with your partner. Make a crew, add what people paid, and Cuzo keeps the tab. Free for everyone, on every plan.
Start a crew
A home, a trip, a couple — whatever the shared thing is. Invite people with a six-character code or straight from your buddies list.
Add what you paid
Split it evenly, by share, or down to the exact rupee. The per-person figures are on screen before you save, so nothing is a surprise later.
Square up
Tabs update themselves, and Cuzo works out the fewest payments that clear everyone. No group-chat arithmetic at the end of the month.
And your half still counts as your spending
Your share of a shared expense flows into your own budgets and reports automatically — no double entry. Want it in a different category, at a different amount, or left out of your budget entirely? Adjust your side of it without touching the crew's record.
Cuzo Analyst
The deeper reports are earned, not bought
Analyst adds the Cash Flow report with its Sankey diagram, and a Financial Health score that reads like an advisor — it suggests a real budget for each category from what you actually spend, and sets it in one tap.
Your first month is on us
Claim it from your account the moment you sign up. No card, and nothing to cancel — it simply ends.
Then a month per friend
Share your link. Everyone who joins with it earns you both another month of Analyst. There is no limit and there is no paid tier to fall back to.
Everything you need. Nothing you don't.
Cuzo focuses on the handful of things that actually move the needle on your finances — and leaves the rest out.
10-second expense entry
Adding an expense takes about as long as opening Instagram. Recurring bills (rent, subscriptions, gym) track themselves once you set them up.
Fixed or percentage-based budgets
Tell Cuzo to cap dining at $400, or at 8% of your income. Mix and match per category — your budget reflects how you actually think about money.
Split costs with your crew
Flatmates, trips, couples. Add a shared expense, split it any way you like, and Cuzo tracks who owes whom — then suggests the fewest payments to settle up.
Story of the Month
A short, personal recap of what your spending did this month. 'You spent 30% less on transportation' beats staring at a bar chart any day.
Dashboards that don't overwhelm
One screen tells you total spent, budget remaining, income vs expenses, and where it all went. Toggle between monthly and annual in one tap.
Bring your data in. Take it out anytime.
Import history from any CSV. Export everything to CSV in one click. Delete your account and your data goes with it — no copies kept.
Built mobile-first, works everywhere
Log an expense on the bus. Review your dashboard from your laptop. Cuzo is a web app — install it as a PWA on your phone, no app store required.
Up and running in 90 seconds
No onboarding video. No 30-minute YouTube tutorial. Just three steps.
- 1
Add your income
Enter your take-home pay (and any side income). Cuzo uses this to power percentage-based budgets.
- 2
Pick your categories
Cuzo seeds the common ones — rent, groceries, dining, subscriptions. Rename, add, or remove to match how you actually spend.
- 3
Log expenses as you go
A few seconds a day is all it takes. Within a week you'll see patterns. Within a month you'll get your first Story.
Your money. Your data. Period.
Cuzo is built on the principle that your financial data should never leave your control.
No bank credentials, ever
We never ask for your online banking login. There's nothing for an attacker to steal because we don't store anything that could drain your account.
Private to you
Your expenses, budgets, and income are visible only to you. We don't sell your data, share it with advertisers, or use it to train models.
Export anything, anytime
One-click CSV export of every expense, category, and budget. You're never locked in.
Delete means delete
Account deletion permanently removes all your data. We don't keep shadow copies for analytics or marketing.
Take 90 seconds today. Thank yourself in a month.
Create your free account, start a crew, and claim your free month of Analyst. It's the kind of money habit your future self will quietly thank you for.
Start budgeting freeChill about money, serious about your goals.