Categories help you tag every transaction. Group them under parent categories to see the big picture.
Example
FoodGroceriesDining OutCoffee
Where does your money live?
Add your bank accounts, savings, and cash. Enter how much is in each right now to set your starting balance.
What do you owe?
Add any debts or loans. Enter the remaining amount you owe — this helps track your net worth.
You're all set!
Here's what you can do with Zad
Budget TrackingLog transactions and track spending by category
PortfolioTrack investments with live prices and P&L
Budget PlanningSet monthly budgets and track remaining amounts
Net WorthTrack assets, liabilities, and your total net worth over time
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Performance
Winners & Losers
Allocation
By Asset Type
P&L Breakdown
Monthly DCA
AED
Engine Settings
Data Source
Live prices from Finnhub (stocks) and CoinGecko (crypto). Includes daily closes, MA200, RSI, and technical indicators.
Fair Values (per share, original currency)
Set your estimated intrinsic value per ticker. Leave blank for auto-calculation. Cost basis fallback has 50% confidence cap. Extreme ratios (>2x or <0.5x) are capped at 30%.
Conviction (Auto-Calculated)
Auto-scored from holding duration and portfolio weight. Tap stars to set an optional manual override (35% influence). Tap active star again to clear override.
Asset Class Targets (%)
Your ideal portfolio split by asset class. Must sum to 100%.
Factor Weights (%)
How much each scoring factor matters. Must sum to 100%.
Focus & Recency
Max picks
Min alloc
Recency Lookback (days per class)
0 = disabled. Penalizes recent buys to spread purchases over time.
Allocation Controls
Aggressiveness
1=linear 3=cubic
Max per ticker
% of budget
%
Contrast Stretch
1.0=off 2.0+=aggressive
Adaptive exponent
Auto-boost when scores cluster
Valuation Parameters
Sector P/E multiples for stock fair value. ETF historical P/E and REIT target yield.
ETF Historical P/E
Broad market median
REIT Target Yield
Dubai REITs: 5-7%
%
Manual Fundamentals
Enter EPS, P/E, or dividend yield manually. Used when Yahoo data is unavailable. Auto-expires after 180 days.