Our Story

Born from real financial challenges, built to transform how Australians manage their money

From Struggle to Solution

Back in 2019, Sarah Mitchell was sitting at her kitchen table in Tamworth, surrounded by bills and bank statements. As a single mother juggling multiple expenses, she couldn't understand where her money went each month. Traditional budgeting apps felt disconnected from her reality – they didn't account for the unpredictable nature of Australian living costs or the unique financial pressures many families face.

"I realized that most financial tools were built by people who'd never experienced real money stress. We needed something different – something that actually understood our lives."

That frustration sparked what would become Zelthrivance. Sarah partnered with financial analyst Marcus Chen, who had spent years watching clients struggle with the same disconnect between financial advice and reality. Together, they started building a platform that actually made sense for real Australian families dealing with everything from irregular income to unexpected expenses.

What started as weekend coding sessions in Sarah's garage has grown into a comprehensive financial platform that's helped thousands of Australians take control of their finances. But we've never forgotten where we came from – that kitchen table moment when everything felt overwhelming.

Modern office space representing Zelthrivance's growth journey

What Drives Us Forward

Real Solutions

We don't just crunch numbers – we understand that behind every financial decision is a real person with real concerns. Our tools are built to handle the messiness of actual life, not perfect spreadsheet scenarios.

Australian-First

From superannuation complexity to seasonal income variations, we understand the specific financial landscape Australians navigate. Our platform is built around these realities, not imported solutions from other markets.

Transparency Always

Financial stress often comes from not understanding where your money goes. We believe in complete transparency – every fee, every calculation, every recommendation is clearly explained in plain English.

The People Behind Zelthrivance

Our team combines deep financial expertise with genuine understanding of what it's like to worry about money. We're not just building software – we're solving problems we've lived through ourselves.

Sarah Mitchell, Co-founder and CEO of Zelthrivance

Sarah Mitchell

Co-founder & CEO

Sarah's journey from struggling single parent to fintech founder gives her unique insight into the real challenges Australians face with money management. She holds a Bachelor of Business from UNE and has become a recognized voice in accessible financial technology across regional Australia.

Marcus Chen, Co-founder and CTO of Zelthrivance

Marcus Chen

Co-founder & Head of Financial Strategy

With over 12 years in financial analysis and a Master's in Applied Finance, Marcus has seen firsthand how traditional financial advice fails ordinary people. His algorithms power Zelthrivance's cost optimization engine, turning complex financial data into actionable insights that actually make sense.