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ZeusCoffer

Track your finances

"What gets measured gets managed."

ZeusCoffer builds your real BC take-home pay from your actual work schedule, tracks what you log against what you planned, and splits what's left between savings and investing — automatically, every month.

75%

of people with a specific savings goal save regularly, vs. 62% of those without one

63%

of budgeters say it's the only way they actually know where their money goes

56%

of people who don't track spending can't say what they spent last month

Sources: NerdWallet, Corporate Insight, The Penny Hoarder

Quick tips to make it stick

  • Log expenses the same day you spend, not at month's end.
  • Review actual vs. planned weekly, not just when something feels off.
  • Automate the split between savings and investing so it's never a decision.

Welcome back

Sign in to continue to your financial dashboard.

3–30 letters, numbers, or underscores.

Use the password for your ZeusCoffer account.

ZeusCoffer
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Summary Income Plan Track Results Debt Insights

Net income

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Planned

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Actual

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Remaining

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Savings rate

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Emergency fund

—

Welcome to ZeusCoffer ⚡

Three quick steps to real numbers: 1) on Income, pick your region and add your pay — your true take-home appears instantly. 2) On Plan, set your monthly targets (tap a card to open it). 3) Log real spending in Track — Results, charts, and your health score light up from there. This note only shows on your first login.

Every Canadian province · works worldwide

ZeusCoffer

Track your finances

Pick your province and tax, CPP, and EI estimate themselves. Outside Canada? Enter your own numbers. Every field is editable, and everything recalculates instantly.

Preview mode — saving to this browser only.

Saved

Account

Your profile

Z Profile photo

JPG or PNG, up to 2.5 MB. Shown in your header.

Preferences

Notifications

Weekly spending digest

A short Sunday email — what you spent vs. your plan, plus bills still unlogged.

Bill reminders

An email the day before and the day a recurring bill is due, until it's logged.

Security

Privacy

Export downloads everything as JSON. Deleting your account removes your data permanently.

Summary

This month at a glance

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Cash left this month

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Add your opening bank balance, record pay received, and log expenses to see your cash position.

Projected month-end: —

Net income

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Actual spend

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Planned spend

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Savings rate

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Money in bank

Enter the balance you had at the start of the selected month. ZeusCoffer adds pay received and subtracts logged spending, so cash is never double-counted.

$

Income received

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Actual deposits entered below.

Expected pay left

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Unreceived pay periods this month.

Projected month-end

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Cash left now + expected pay − unspent plan.

✨Zeus AI smart coachBeta▾

AI explains the numbers ZeusCoffer already calculated. It does not calculate taxes, alter balances, record payments, or replace your debt rules.

Smart facts are available locally. Cloud AI uses a secure server endpoint when configured.

Privacy by design: the AI request sends aggregated budget/debt figures, not email, account numbers, or raw transaction descriptions. Always confirm a payment yourself.

Biggest cost

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Income used

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-

Source

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Actuals first; plan fills the gaps.

Committed

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Fixed bills each month.

Charts — income use & category shares▾

Income used vs remaining

Expense share of income

Your top 3 income-takes — what eats the most of your pay.

Overview

Financial health

This month

Four scores, one number — the breakdown is below.

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/ 100

Budget adherence
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Savings rate
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Emergency fund
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Spending trend
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📊Projected month-end: —

⚠️Top risk: —

💡Recommended: —

Insights

Spending alerts

Where your spending is heading this month, at your current pace.

Forecast

Cash flow forecast

See your balance over the next 30 days.

$
$

All recurring items

Income

Work schedule

Your hours and pay — everything else builds from this.

Pay summary for this month

Estimated incoming

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Actually received

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Still expected

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Enter the real deposit beside each pay period. Estimates stay visible for comparison.

$
$

Calculated

Income after tax

Show annual figures

Combined hours/week

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Gross pay/month

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Tax + CPP + EI/month

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Net pay/month

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An estimate using 2026 BC and federal tax rates, CPP, CPP2, and EI.

Inputs

Monthly expenses

🧭

This is your plan — the targets you aim for, not the record. Log real spending in Track, and Results shows how you stack up against it.

💳 Debt due soon

Pull minimums and ZeusCoffer recommendations straight from Debt Management into this month’s plan.

📋 Planned expenses — ▾
CategoryPlannedDescriptionRecurring

Tick "Recurring" for bills you pay every month — then set the day each is due, so reminders can nudge you before it's time to pay.

Your categories

Recurring

Recurring bills

Your monthly bills, and whether each is logged yet.

Monthly total

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Annual total

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Bills tracked

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Your bills, one by one — ▾

Actuals

Log spending

Log what you actually spend — snap a receipt or type it in.

Selected receipt preview
Image ready

Zeus smart scan will extract merchant, date, amount and category. Review everything before saving.

Smart scan sends a compressed copy to the secure ZeusCoffer AI endpoint. It is used only to extract this entry and is not saved by ZeusCoffer. Check every field, then tap "Add expense."

$
Debt payment
Pick a tracked debt to fill the name and recommended amount.

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Total this month

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Entries logged

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Top category

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Showing only
Logged expenses — ▾
DateDescriptionCategoryAmount

No expenses logged for this month yet.

Search

Search transactions

Try "groceries over $50" or "Costco last month."

DateDescriptionCategoryAmount

Comparison

Plan vs. reality

Plan vs. reality — tap a row to filter.

Planned expenses

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Actual expenses

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Difference

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Planned expense detail — ▾
CategoryDescriptionPlannedActualDifferenceStatus

Result

What's left

Net pay/month—
Actual spent — Actual remaining —

Split

58%
Savings $
Investment $

Edit either number and the other adjusts.

💰 Savings —
Planned
—
Actual
—
📈 Investment —
Planned
—
Actual
—

Debt management has its own page. Manage credit cards separately from loans and other debts, then record payments so actual money left updates automatically.

Planned vs. actual & all-time totals▾

Planned left

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Actually left

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Difference

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Planned vs. actual, using your split above.

Running totals across every month logged.

Total savings, all time

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Total investment, all time

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Months logged

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Debt management

Manage what you owe

Credit cards and other debts behave differently, so ZeusCoffer keeps them in separate categories while combining them into one payoff plan.

No debts tracked

Total debt remaining

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Credit cards

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Other debts

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Minimums / month

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Recommended debt payment this month —

Overall payoff progress

Total—
Paid—
Remaining—

What if you paid extra?

+$0

💳 Credit cards

Revolving balances with credit limits. Utilization and APR optimization apply here.

0 cards
💳

For each card, enter the current balance, credit limit, APR and statement minimum. ZeusCoffer can compare minimum, utilization-target, smart, full and custom payments.

🏦 Other debts

Loans and balances without credit-card utilization logic: auto, student, personal, mortgage, line of credit and custom debts.

0 debts

Other-debt categories

Goal

Emergency fund

$
Progress toward target—

Scenarios

Saved scenarios

Save your numbers as a scenario to compare setups later.

Goals

Savings goals

Anything with a target amount — vacation, car, tuition, debt.

$
$
$

Analytics

Financial insights

Digest

Monthly summary

Log at least one full month of expenses to see a summary here.

Earned

$0

Spent

$0

Saved

$0

Invested

$0

Performance

Savings performance

What you should have saved vs. what you actually have.

Total saved, all time

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Current savings balance

$

Difference

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Performance

Investment performance

Enter your portfolio value to see your gain or loss.

$

Total invested, all time

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Current value

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Gain / loss

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Performance

Saving vs. investing

Monthly savings vs. investing, with running totals.

Savings Investment Total saved Total invested

Trend

Spending trend

Total actual spending for each of the last 12 months.

Data

Backup and export

Export a CSV or full backup — your data stays yours.

Importing adds to your data — nothing gets deleted.

+ Log expense
Closing balance (actual), monthly —