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Is Money Zen Safe?

Money Zen privacy label · by Guojie Zeng · checked November 2026

  • Collects no data
  • Not updated in 2+ years
App Privacy label Developer-reported · checked November 1, 2026
Data Not Collected

The developer states that no data is collected from this app.

Short answer

On the label, yes. Money Zen's developer reports that it collects no data, which puts it among the 32% of expense trackers we checked with a "Data Not Collected" label. That is a self-declared statement, not an audit, and it does not cover data processed only on your device.

At a glance

Money Zen privacy in one look

Data exposure on the label
Data not collected
  1. 1
  2. 2
  3. 3
  4. 4

Built only from the developer's App Store label. It describes disclosure, not tested behaviour.

Verdict from the label
Data not collected

Money Zen's developer states that the app does not collect any data from this app.

Try it

Did Money Zen ask for something?

Pick the permission prompt you saw. We compare it with what Money Zen's developer declared.

It asked me for access to…
Tap a prompt to compare it with the label.
Not on the label

Location is not on Money Zen's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

Not on the label

User Content is not on Money Zen's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

Not on the label

Contacts is not on Money Zen's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

Not declared on the label

Money Zen declares no tracking, so a tracking prompt would contradict its label. Decline it, and consider reporting the mismatch to Apple.

Not on the label

Health & Fitness is not on Money Zen's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

A permission is what the app can reach on your iPhone; the label is what the developer says leaves it. They answer different questions.

Reading the label

What Money Zen's label means for you

“Data Not Collected” is the cleanest result a label can show. It means the developer states that no data leaves your iPhone in a way the developer or its partners can access for longer than needed to handle a request. Data processed only on your device does not count as collected, so Money Zen can still read files or photos you open in it.

The statement is the developer's own. Apple reviews apps but does not audit every label, and analytics or crash-reporting libraries added later can make a label out of date. If Money Zen asks you to create an account, upload files or allow tracking, that would not match a no-collection label — and is worth noticing.

Expense trackers record what you spend and where. Receipt scanning can upload images containing card digits and addresses. Check whether receipts are stored on the server and whether bank linking is optional.

Among the 139 expense trackers in our snapshot with a label, 25% declare tracking, 46% collect data linked to you and 32% say they collect nothing. Money Zen lists 0 data types, fewer than the average of 2.6 for this group.

Finance apps need identity and financial data to function. Expect Contact Info and Financial Info; compare apps on tracking and third-party advertising instead.

On your iPhone

Settings to check for Money Zen

  1. 1

    Lock the app

    On iOS 18 and later, touch and hold the icon and choose Require Face ID. Anyone who picks up your unlocked phone then needs your face, fingerprint or passcode to open it.

  2. 2

    Notifications

    Settings › Notifications › Money Zen › Show Previews: When Unlocked keeps message and account details off the Lock Screen.

Cross-app tracking

Does Money Zen track you?

No tracking declared

There is no “Data Used to Track You” section on Money Zen's label.

Does Money Zen track you? Full answer and how to stop it →

iOS 18 and later

Lock Money Zen behind Face ID

  1. Find Money Zen on your Home Screen or in App Library.
  2. Touch and hold the icon until the quick-actions menu opens.
  3. Tap Require Face ID (or Require Touch ID / Require Passcode, depending on your iPhone).
  4. Tap Require Face ID again to confirm. Money Zen now asks for authentication every time it opens.

The lock is an iPhone feature, so it works whether or not Money Zen has a passcode of its own. It does not change what the app sends to its developer.

Lock or hide Money Zen: step-by-step guide →

From the App Store record

About Money Zen

DeveloperGuojie Zeng
App Store categoryFinance (also Utilities)
Latest version2024.4, released October 2024
First releasedNovember 2013
RequiresiOS 13.0 or later
Size5 MB
Age rating4+
Languages4 (EN, JA, ZH, ZH)
Bundle IDallfunandlove.MoneyZen

The current version shipped in October 2024, 2 years before our snapshot. Apps that are not updated may not support newer iOS privacy controls, and an abandoned app will not get security fixes.

Read with care

What the label cannot tell you

  • A label is self-reported. Apple publishes the developer's answers and can reject apps that misrepresent them, but it does not independently verify what Money Zen sends.
  • It does not say where data is stored, how long it is kept, whether it is encrypted, or which companies receive it. The privacy policy covers those points.
  • Optional data counts: if a feature lets you add something (a profile photo, a phone number), the type is listed even if you never use the feature.
  • Data handled only on your iPhone is not 'collected', so a no-collection label is compatible with an app that reads your files locally.
  • Third-party sign-in, payment processors and SDKs are supposed to be included, but a label can lag behind a new version.

The question to ask Money Zen's developer: Are receipt photos stored on their servers?

How it compares

Money Zen vs similar expense trackers

Data types listed on each App Store privacy label
Tracks youLinked to youNot linkedCollects nothing

Fewer types is not automatically safer: a cloud backup app has to collect your files to work. Compare like with like.

Checking another app?

Look up any of our apps in seconds, or put two labels side by side.

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Do it now

Your Money Zen privacy checklist

Tick what you have done
Tick each step as you do it on your iPhone.

Done. You have applied every control the label points to.

Quick quiz

True or false?

  1. Q1Money Zen's privacy label says it uses data to track you.
    Right.
    Not quite.

    False: there is no Data Used to Track You section on Money Zen's label.

  2. Q2Apple tests every app to confirm its privacy label is accurate.
    Right.
    Not quite.

    Labels are self-reported by developers. Apple can reject or remove apps that misrepresent practices, but it does not audit each label.

  3. Q3An app with a “Data Not Collected” label cannot read any of your photos.
    Right.
    Not quite.

    It can read photos you give it access to. Processing on your device is not collection; only data sent off the phone counts.

  4. Q4Data “Not Linked to You” is never sent off your iPhone.
    Right.
    Not quite.

    It is collected and sent; the developer says it is de-identified rather than tied to your account or device.

  5. Q5Tapping “Ask App Not to Track” can stop an app from working.
    Right.
    Not quite.

    Apple's rules require apps to work the same whether or not you allow tracking.

Questions people ask

Money Zen privacy FAQ

Is Money Zen safe to use?
Based on its App Store privacy label, money Zen's developer states that the app does not collect any data from this app. Whether that is acceptable depends on what you will store in it. The label is developer-reported, not an independent security test.
Does Money Zen track you?
No. Money Zen's label has no Data Used to Track You section.
What data does Money Zen collect?
None, according to the developer's label.
Who makes Money Zen?
Guojie Zeng, according to the App Store. It was first released in November 2013 and the current version is 2024.4.
Can I lock Money Zen with Face ID?
On iOS 18 or later, touch and hold Money Zen's icon and choose Require Face ID (or Touch ID / Passcode). This is an iPhone feature and works for most downloaded apps, whether or not the app has its own lock.
How does Money Zen compare with other expense trackers?
Across 139 expense trackers with labels in our snapshot, 25% declare tracking and 32% say they collect no data. Money Zen lists 0 data types against an average of 2.6.
Are receipt photos stored on their servers?
The privacy label cannot answer that. Look for it in Money Zen's privacy policy or support pages, linked from the App Store listing. Check whether receipts are stored on the server and whether bank linking is optional.
How do I delete my data from Money Zen?
Apps that let you create an account must also let you start account deletion from inside the app (an App Store rule since June 2022). Deleting the app from your iPhone alone does not delete data already sent to the developer.
Facts on this page come from Money Zen on the App Store, as reported by the developer. Checked 2026-11-01. How we collect data · Report a correction