See your balance 60 days ahead—so you're never caught off guard.
Zibyl turns your accounts, bills, and plans into a daily cash-flow forecast—with early warnings before any account dips below zero and a “what-if” mode for life changes.
Takes ~3 minutes to set up. No credit card required. Export or delete your data anytime.
The stress isn't spending. It's not knowing what's coming.
Missed bills. Overdraft fees. Juggling multiple accounts in your head. You check your balance and it looks fine today—but what about next week when rent, insurance, and that annual subscription all hit at once?
Zibyl shows your cash flow as a daily timeline—so you see the dip before it happens, not after.
Get started in under 5 minutes
Zibyl works best when you add the things that actually move your balance: accounts, recurring bills, and the next few planned transactions.
Add Your Accounts
Enter your bank accounts and their current balances. No bank login needed — just type in the numbers.
Set Up Recurring Items
Add your regular bills, salary, and subscriptions. Tell Zibyl what comes in and out, and how often.
See Your Future
Instantly see a projection of your balance weeks or months ahead. Spot problems early and plan ahead.
Features built for forecasting, not just tracking
Every feature is built to help you plan with confidence—not just look at what you already spent.
Zoom from next week to next year
Interactive charts that show your balance trajectory up to a year ahead. Pinch, zoom, and explore any timeframe at daily granularity.
Bills aren't always the same
Set up recurring income and expenses at any frequency. Override individual dates when amounts change, skip a week, or reschedule.
Your data stays yours
AES-256 encrypted backups, row-level database isolation, and zero bank connections. No third-party analytics or data sharing.
One timeline for all accounts
Track checking, savings, and cash accounts in a single view. Color-coded with custom slugs so you always know which is which.
Try the future on first
Model financial decisions before committing. “What if I take this job?” “What if I move?” Compare outcomes side-by-side.
Forecasts you can reconcile
Verify real balances against projections. Automatic adjustments keep your forecast aligned with reality over time.
Privacy and security, by design.
Zibyl is built with privacy at the core. We never connect to your bank and never share your data.
- Row-level security isolates your data at the database level
- AES-256-GCM encrypted backup exports
- Encrypted in transit and at rest
- No third-party data sharing or analytics tracking
- No bank connections — no attack surface
- Export or delete all your data at any time
Frequently asked questions
Yes. Zibyl is completely free with no ads, no premium tier, and no credit card required. We built it because we needed it ourselves and want others to benefit too.
No. Zibyl uses manual entry only. You type in your balances and transactions. This means zero credential risk — we never have access to your bank login.
Projections are based entirely on the data you provide — your real balances, recurring bills, and planned transactions. The built-in reconciliation feature lets you periodically verify your actual balance against the forecast, keeping everything aligned over time.
Yes. Zibyl is a Progressive Web App (PWA) that works on any device with a browser. Install it to your home screen on iOS or Android for a native app-like experience.
Your data is always yours. You can export an encrypted backup or delete all your data at any time from the Settings page. No lock-in, no questions asked.
Stop guessing. Start forecasting.
See your financial future with clarity. Set up takes less than 3 minutes.
Start free—see your forecastNo credit card. No bank connection. Cancel anytime.