Dashboard
Your financial empowerment snapshot
Month Surplus — Available to Invest
₹6,450
From ₹50,000 income · Every rupee should compound
₹1,842
₹8,960
12.3%
Eco-Wallet
₹4,287
↑ ₹312 this month
Wealth Score
72/100
+8 pts this month
Active Goals
3
₹8,333/mo needed
Locked Vouchers
2
Worth ₹5,800
Empowerment Score +8 pts
72
Score
Cashback reinvested68%
Goal completion45%
Expense discipline81%
Cashback vs Invested (6 months)
Budget Health Income ₹50,000
Cashback Substitution — Free Real Cash to Invest ₹1,410 available
Smart Wallet
Unified ecosystem balance · Smart locked voucher management
Total Eco-Balance · Fully interoperable within brand family
₹4,287
₹420
₹310
₹680
₹432
₹2,445
Brand Ecosystem
Spend Simulator
Expense Builder
Structure your monthly budget — ZENO uses this for every cashback & voucher optimisation
Profile & Income
Life Stage
Monthly Summary
Expense Categories
| Category | Budget (₹) | Actual (₹) | Cashback | Ecosystem | Status |
|---|
Budget vs Actual
Voucher Advisor
Enter any locked voucher — ZENO maps it to your expenses to free real money for investment
Your Voucher
🔒 Locked to this brand only. ZENO finds matching expense categories so you cover spend with the voucher — and invest the freed real cash instead.
Real Money Freed
₹4,000
of real bank money freed — redirect to investment instead of spending from your account.
→ ₹4,000 into SIP
At 12% p.a. → ₹7,180 in 5 years
Smart Spending Plan
Your Expense Structure
Goals
Age-based milestones — turning every saved rupee into lasting wealth
Life Stage Profile Early Career · 26–35
Financial Goals
Wealth Milestones
Invest
Growth portfolio — sweep surplus & cashback into compounding instruments
Total Portfolio Value
₹10,632
₹8,960
+₹1,672
12.3%
Active ✓
Instruments
Portfolio Allocation
Manual Sweep
Ledger
Complete transaction history — every earn, spend, invest, and sweep
All
Earned
Spent
Invested
Sweeps
| Date | Description | Brand | Type | Amount |
|---|
ZENO AI Agent
Real-time intelligence — Groq · Llama 3.3 70B · Your full financial context loaded
ZENO Intelligence
Live
Z
Hello! I'm ZENO Intelligence — your financial empowerment agent, running live.
I have your full profile loaded — income, every expense, cashback, vouchers, goals, and portfolio.
- How to use any locked voucher smartly
- Which expenses cashback can substitute
- How much to invest this month
- Goal timeline for your age & income
How to use my Myntra voucher?
Am I saving enough for age 28?
Which expenses can cashback cover?
Fastest path to ₹1L invested?
Context in AI Memory
Live Proactive Insights
My Profile
Your account, financial identity, and empowerment journey
AK
Arjun Kumar
🌱 First Invest
🛡 Emergency 50%
📈 Growth Mode
Early Career
72
Wealth Score
₹8,960
Total Invested
₹6,450
Month Surplus
3
Active Goals
Personal Details
Full NameArjun KumarEdit
Emailarjun@example.comEdit
Age28Edit
Monthly Income₹50,000Edit
Life StageEarly CareerChange
Empowerment Journey
🌱
First ₹1,000 Invested
March 2026 · Flexi Cap MF
🛡️
Emergency Fund 50%
February 2026 · ₹75K saved
📈
₹10,000 Invested
In progress · ₹960 to go
🔥
3-Month No-Waste Streak
2 of 3 months complete
Settings
Preferences, API configuration, and data management
Preferences
Account
NameArjun Kumar
Emaildemo@zeno.app
Member SinceApril 2026