Zoto Expense Manager

1. Download and install the app, then create an account and choose your base currency. 2. Set up categories and monthly budgets, and add your wallets such as cash, card, or business petty cash. 3. Add your first expense by tapping Add, entering the amount, selecting a category, and snapping a photo of the receipt. 4. Check the dashboard for cash flow and budget progress, and enable reminders to avoid overspending or missing bills. 5. Generate reports by week or month, then export CSV or PDF for accounting or reimbursement and turn on cloud sync for secure backup across devices.