Azno user guide

Your first ten minutes

From sign-up to your first answer.

1. Create your account

   Two fields: email and a password of 8+ characters. No card. If we ask you to confirm your email, the link is valid for 24 hours and Resend is there if it gets lost.

2. Take the 8-step tour

   It opens on the dashboard and points at the real buttons — currencies, accounts, the ledger, bills, debts, goals, categories and the Advisor. Skip tour any time; it resumes where you stopped.

3. Add where your money lives

   Your bank accounts, a card, the cash in your pocket, a company account — each in its own currency.

4. Write your first entry

   Add transaction on the Ledger — or, with a plan, just tell the Advisor: "Add 12 for lunch, paid in cash."

Accounts

Where the money lives.

An account is anything that holds money: a bank account, a card, cash, a crypto wallet, a company account.

• Each account has its own currency and belongs to the Personal or the Business book.
• You start with a Main Account. It is where an entry goes when you don't pick one, so it can't be removed.
• The balance is off? Correct balance asks for the real number and writes a correction entry — history stays intact.
• View latest transactions on a card shows what moved through it lately.

Ledger

Every entry, in one list.

The ledger is the record of what happened: money in, money out, and money moved between your accounts.

• Add transactionExpense, income or transfer. Pick the account, the category, the amount; the date is "now" unless you set one.
• Paid in another currency?Different currency lets you enter it as paid — the form says what it becomes in the account's currency.
• Transfers with deductionsA transfer can carry taxes and fees; the form shows gross, deductions and net as you type.
• Find anythingSearch reads descriptions, notes, categories and accounts. Filter by type, dates, account, currency or amount.

Budget · Recurring

Bills that come back.

Rent, subscriptions, a salary: add it once and Azno keeps track of what is due next.

• Weekly, monthly or yearly. A bill with a changing amount can be marked Variable — you enter the amount when you pay.
• Mark as Paid → paid today, or on its due date. Undo last payment if you clicked too soon.
• Four kinds: Income, Expense, Save (feeds a goal) and Debt payment (pays a debt down).
• Add upcoming expense books a future payment as Pending. It counts once you mark it cleared on the Ledger.

Budget · Goals and Debts

What you're saving for —
and what you owe.

• GoalsName it, set the target and, if you like, a date. Add funds moves the bar — from any account, in any currency.
• Saving on a scheduleA Save bill on Recurring adds to the goal each time you mark it paid.
• Debts — both ways"I owe" and "They owe me". Record payment brings the balance down and writes the ledger entry.
• Paying it downA Debt payment bill reminds you when it's due and reduces the debt when you mark it paid.

Categories and the period

Where it goes, and when.

• Seven to start, yours to changeSalary, Investments, Groceries, Dining Out, Transport, Utilities, Entertainment. Rename them, add your own with an emoji and a colour.
• Mark the optional onesTick Discretionary on what you could cut back — the Advisor and the insight can tell the difference.
• One period for every page24h · 7 days · 30 days · This month · 90 days · All. Remembered, shared by Dashboard, Ledger and Budget, with the dates spelled out.

Finance dashboard

Your month, at a glance.

• Income, expenses, netIn your main currency, with the other currencies you use underneath.
• Cash flow pacingAre you spending faster than usual for this point in the month? It says so in a sentence.
• Upcoming · next 30 daysBills, payroll and pending payments, overdue ones flagged.
• Six months, categories, top expensesThe trend, where it went, and the biggest items.

Currencies

Every currency, converted once.

Pick your main currency, then add every other one you hold. Totals are always shown in your main one.

• Auto follows the live rate, refreshed through the day. Manual keeps the rate you type — say, what your exchange office gives you.
• Rates read the way people say them: 1 EUR = 61.50 MKD, and the other way round underneath.
• History doesn't drift. Each entry keeps the rate from when it was written; a new live rate never changes last month.
• No Save button. Changes save themselves as you type — watch for "Saved automatically".

What it does

It reads. It answers. It proposes.

• Reads your booksEntries and their notes, accounts and balances, bills, payroll, goals, debts and categories — and searches by meaning, not just exact words.
• Answers from themIt names the entries it used, so you can check its working.
• Logs by talkingSay what you spent; it turns it into entries — in the right currency, account and book.
• Waits for youEvery change is a card with Confirm & save and Cancel. Edits and deletions are confirmed one row at a time.

How to talk to it

Ask the way you'd ask a friend who knows your numbers.

Type, or tap the microphone to dictate (English for now). Answers can be read aloud — the speaker button beside the message box turns it on.

Receipts

Photograph it. In any language.

Attach up to four photos — Take a photo on a phone uses the back camera.

1. First, it reports what it read

   Shop, date and time, every line as printed and translated, the currency, and whether its sum matches the printed total. It proposes nothing yet.

2. You confirm or correct

   No time on the receipt? It asks rather than guessing. It never assumes a currency that isn't printed.

3. Then it stages the entries

   One card, ready for Confirm & save.

Financial coach insight

A short read on your month.

On the dashboard: a paragraph on this month's pace against your fixed bills and savings goals.

• Generate fresh insight writes a new one; each costs a few coins, and says when it was written.
• Discuss with Azno Advisor opens a new chat with the insight already in it — ask "why?" or "what should I do?".
• It reads the current calendar month and the book you're viewing, whatever the period bar says.

Azno Coins

Coins pay for the Advisor's work.

Every plan drops a monthly allowance of coins into your account. Each reply spends a few — more when it has to read a lot — and shows exactly how many.

Run out and the Advisor pauses with a clear message; top up with a coin pack or change plan under Plans & Coins. The ledger never stops working.

Plans & Coins

Free for your books.
A plan for the Advisor.

• Free is the whole finance app: ledger, accounts, both books, budget, goals, debts, currencies, the dashboard.
• Every plan includes the Advisor — they differ only in how many coins arrive each month.
• Trials and codes. When a trial is on offer you'll see it in the store and on the Advisor page; a discount code goes in Have a code?.
• Cancel any time from Settings → Billing. Your first plan payment is refundable for 14 days if you've used fewer than 1,000 of its coins.

Notifications

The bell tells you first.

• For youTrial ending (three days before a charge), payment failed, coins running low, plan renewed, your feedback resolved.
• AnnouncementsNews from the Azno team. Some ask a quick question — a poll or a rating — you can answer right there.
• By email too — your choiceSettings → Notifications. Receipts and failed-payment notices from billing always arrive.

On your phone

Azno in your pocket.

• Install it like an appChrome, Edge and Android offer Install app. On an iPhone: Safari → Share → Add to Home Screen.
• Receipts at the tillIn the Advisor, Take a photo opens the back camera. Up to four photos per message.
• Everything in reachThe menu sits behind ☰; your coins and the bell stay on top; the Advisor has its own button.
• The tour fits tooOn a phone the tour is a sheet with its buttons always in reach, placed so it never covers what it points at.