Replace 12 apps
with one.
Your habits, goals, health, and finances — all orbiting one center. Finally see how everything connects.
No credit card required · Free forever plan available
Net Worth
$247,450
Emergency Fund
4.2 mo
Bills Due
3 this week
Savings Rate
28%
Every dimension of your life, tracked.
Built around how people actually live — not how apps want you to use them.
Tasks
Capture, prioritize, and complete your to-dos with projects, due dates, and tags.
Habits
Build lasting routines with daily habit tracking, streaks, and completion analytics.
Finance
Track your net worth, budget by category, and manage bills — all in CAD.
Journal
Daily journaling with mood tracking, guided prompts, and long-term trend insights.
Health
Log sleep, mood, body metrics, and medication adherence in one health hub.
Goals
Set long-term goals with milestones, linked tasks, and a Life Wheel overview.
Finance
Track your net worth, budget by category, log income and expenses, manage bills, investments, and subscriptions in one place. Canadian-first with CAD defaults.
- Net worth tracking & trends
- Budget vs. actual by category
- Bill calendar & autopay alerts
- Investments & TFSA/RRSP room
Health & Fitness
Log workouts, track sleep, monitor your mood, body measurements, nutrition macros, and medication adherence. Your complete health picture.
- Sleep quality & duration trends
- Workout logging with PR detection
- Mood & energy correlation charts
- Nutrition macros + meal planning
Goals & Habits
Set long-term goals with milestones and linked tasks. Build daily habits with streaks and analytics. Break big goals into trackable sub-goals.
- Life Wheel scoring (8 dimensions)
- Milestone tracking with dates
- Habit streaks + completion calendar
- Sub-goal breakdown with linked tasks
Relationships & Circles
A relationship CRM that keeps you close to the people who matter. Keep-in-touch reminders, birthday alerts, interaction logs — plus Circles for planning events, splitting expenses, and sharing wishlists with your crew.
Journal, Notes & Reading
Daily journaling with mood tracking, streak stats, and guided prompts. Rich note-taking with tags and markdown. Reading tracker with pace prediction and yearly goals.
The app that brings your people in
Create events, share a link — no app download required. Guests RSVP from their browser and you track who's coming right inside Zarlo.
One-tap event creation
Create birthday dinners, game nights, or group trips in seconds.
Shareable RSVP link
Send a link to anyone. Guests RSVP without needing an account.
Live guest list
See who's going, maybe, or can't make it — all synced to your calendar.
Your people, always in the loop
Create events, share a link — friends and family RSVP with just their name and phone number, no account needed
Instant RSVPs
Guests tap your link and RSVP in seconds. No app, no account, no friction — just a name and phone number.
Guest list at a glance
Your dashboard shows who's going, who's maybe, and who's out — updated in real time as responses come in.
Add to calendar on RSVP
The moment a guest RSVPs, they get a one-tap option to add the event straight to their phone calendar.
26 modules. One app.
Everything you need, nothing you don't. Activate only what you use.
Up and running in minutes.
Create your account
Sign up in 30 seconds with Google or email. No credit card required.
Activate your modules
Choose which areas of your life you want to track. Start simple or go all-in.
Build your dashboard
Drag, drop, and customize your personal command centre with the widgets that matter most to you.
Explore what Zarlo can do for you.
Pick the area of your life you care about most and see what's inside.
Full-spectrum financial tracking built for Canadian life.
- Net worth tracking — assets, liabilities, monthly trend
- Budget by category — budget vs. actual with monthly rollup
- Bill calendar — recurring bills, autopay status, overdue alerts
- Investments tracker — portfolio value, gains/losses, allocation
- TFSA & RRSP room calculator (Canadian-first)
- Subscriptions manager — monthly cost, renewal dates
Built in Canada. Priced in CAD. Designed for Canadian life.
Most finance apps are built for the US market and bolted onto Canada. Zarlo is Canadian-first.
CAD defaults
All budgets, bills, and net worth tracked in Canadian dollars — no currency confusion.
TFSA & RRSP tracking
Built-in TFSA and RRSP room calculator inside the Finance module.
Interac e-Transfer
Split expenses settled via Interac e-Transfer workflows your group already knows.
Canadian privacy
Your data is never sold. Zero third-party data sharing, ever.
Send a link.
Your guests RSVP in 30 seconds.
Create an event from your dashboard, share a link, and guests RSVP instantly — no account, no app download required. You see the list update in real time.
- Beautiful public event pages with one-tap RSVP
- Guests see all event details — no signup needed
- Live attendance list in your dashboard
- Plan the trip, split the costs, all in one Circle
Brad's Camping Trip
July 18–20 · Algonquin Park
Weekend getaway — bring your tent and a good attitude. Spots are limited!
4 going
No account needed to RSVP
Your data, working harder over time.
At 90 days, Zarlo knows things about you no single-category app ever could.
You add your first transactions, habits, and goals. The app works.
- Track your first habit
- Log your first expense
- Write your first journal entry
- Your Today view is already populated
Your habits have streaks. Your spending has patterns. Your goals have momentum.
- Habit completion rate visible across a full month
- Budget vs. actual patterns emerge
- Mood correlations with habit days appear in analytics
- Streak motivation kicks in — you don't want to break 28 days
Your financial history, habit streaks, journal archive, and social connections make leaving feel irrational.
- Cross-module insight: sleep score tracks with productivity
- Financial health based on 3 months of real data
- Journal archive with mood trends and habit co-occurrence
- At this point, leaving means starting over — and no one does
Most apps are replaceable. After 90 days, this one isn't.
What people are saying.
Early users from across Canada.
“I cancelled four apps in my first week. Splitwise, Mint, a habit tracker, and my workout log. It’s all just… here now.”
Megan T.
Ottawa, ON · Using Finance, Habits & Fitness
“Finally a budget tracker that actually knows what an RRSP is. I’ve been waiting years for something like this.”
Daniel Beauchamp
Montréal, QC · Using Finance & Investments
“I mostly use the journal and habits. It’s not flashy but it’s the first thing I open every morning. That says enough.”
Priya S.
Calgary, AB · Using Journal, Habits & Scorecard
Simple, honest pricing.
Start free. Upgrade when you're ready. All prices in CAD.
Free
Get started with the essentials.
- Tasks, Habits & Journal
- Health & Fitness basics
- Up to 3 Goals
- 50 Notes
- 1 Vehicle
- Community support
Pro
Everything, for serious self-managers.
- All modules unlocked
- Finance + Investments
- Unlimited Notes & Goals
- Circles & Split
- Advanced journal analytics
- Priority support
- Data export (CSV/Markdown)
Team
Shared dashboards for families & teams.
- Everything in Pro
- Shared budgets & goals
- Collaborative trip planning
- Team circles & split expenses
- Admin dashboard
- Dedicated onboarding
Stay in the loop.
New modules, features, and integrations drop regularly. Get early access and product updates in your inbox.
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Ready to get organized?
Join Zarlo and build the most complete picture of your life — one orbit at a time.