Garzoni
Personal finance, rewired

Finance that actually sticks.

Garzoni teaches you money the way you learn a language — ten-minute lessons, daily streaks, and AI-guided tools that let you practice the decisions that matter.

Download on theApp Store
Download on theGoogle Play
5.0★App Store
12k+Learners
84%Keep a streak
What does Garzoni actually teach?

The Duolingo for finance — turning knowing into doing.

Garzoni teaches money the way Duolingo teaches languages: three layers working together — the daily habit, the guided lessons, and the AI-powered simulators that let you pressure-test real decisions.

Daily streaks & XP

Ten-minute lessons with spaced repetition. A visible streak and XP ladder keep you coming back without a grind.

AI-guided tools

Budget builder, debt simulator, savings projections and an always-on AI coach that explains the math in plain language.

Personalised path

Tell us your top money goal. Garzoni rearranges lessons, challenges and calculators around the one thing you're trying to move.

Grow savings
Pay down debt
Invest
Built for the commute

Ten minutes a day. That's it.

Each lesson is engineered for a single train ride or coffee break. No dense PDFs, no spreadsheets to wrangle. Just one concept, a worked example, and a three-question check.

  • Spaced repetition tuned to your memory
  • Haptic-friendly, offline-first
  • Progress syncs across devices
1 / 6
Personalise your journey
What's your top money goal?

Build a budget

Know where it goes

Pay down debt

Shrink balances

Grow savings

Build a cushion

Start investing

Money to work
Practice, not theory

Simulators for the decisions that matter.

Model a debt payoff plan. Project ten years of savings. Stress-test a budget against a rent hike. The AI coach narrates what changes and why — so the lesson sticks past the screen.

  • Debt payoff simulator (avalanche or snowball)
  • 10-year savings projection
  • Budget stress-tests with AI commentary
Calculator · AI
Monthly budget
$2,840
Needs 42%Wants 28%Save 30%
AI Insight
Bump savings to 35% and you'll hit your cushion goal five months sooner.
Pricing

Honest, cancel-anytime pricing.

Start free and stay free — or upgrade when you're ready for deeper tools. Annual plans save up to 28%.

Starter

Begin the habit
£0forever
No card needed
  • Full lesson library
  • Daily streaks & XP
  • Basic calculators

Plus

A personalised path
£5.00/ month
Billed £59.99 annually · save 28%
  • Personalised learning path
  • Unlimited calculators
  • Progress insights
Recommended

Pro

The full toolkit
£5.83/ month
Billed £69.99 annually · save 27%
  • Everything in Plus
  • Advanced simulations
  • Priority AI guidance
  • Early access to new tools
What users say
"I'd read three personal-finance books and retained nothing. Two weeks on Garzoni and I finally understand what my own money is doing."
Léa M. — Early user, Paris
Frequently asked

Good questions. Straight answers.

Is it really free to start?+
Yes. The Starter plan is free forever — no card needed. You get the full lesson library, daily streaks, XP, and basic calculators from day one.
What will I actually learn?+
Budgeting, debt management, saving strategies, investing basics, credit scores, and taxes — all broken into ten-minute lessons with spaced repetition so knowledge sticks.
How does the AI coach work?+
The AI coach reads your inputs in simulators (budget, debt payoff, savings goals) and narrates what changes and why in plain language. It personalises explanations to your goals.
Is Garzoni financial advice?+
No. Garzoni is a financial education app. We explain concepts and run simulations — we don't recommend specific products and we're not a registered financial adviser.
Can I cancel anytime?+
Yes. Subscriptions are managed through your Apple ID — cancel in one tap from Settings. You keep premium features until the end of the billing period.
What languages are supported?+
English at launch, with French, Spanish and Italian rolling out in following quarters.
Ready to start?

Your path to financial mastery starts here.

Free to start. No credit card. Pick up where you left off, any time.

Garzoni is a financial education platform, not a financial adviser.

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