Built by someone who needed it
Zibyl started as a personal project to solve a real problem.
Most finance apps want you to connect your bank account. They track what you’ve already spent, sort it into categories, and show you pie charts of last month. That’s useful — but it doesn’t answer the question that kept me up at night:
“Will I have enough money next week?”
I built Zibyl because I needed a tool that looked forward, not backward. One that would take my bills, my salary, and my planned spending and show me exactly when my balance would dip — before it happened. No bank login required. No premium tier to unlock the good stuff.
Zibyl is that tool. It projects your cash flow at daily granularity, warns you before any account goes negative, and lets you model “what if?” scenarios for life changes. It’s the app I wished existed — so I built it and made it free for everyone.
What we believe
Privacy first
No bank connections. No third-party analytics. No data sharing. Your financial information stays exactly where it should — with you.
Free forever
No premium tier. No ads. No upsells. Every feature is available to every user. We built this because we needed it, not to monetise you.
Forecasting, not tracking
Most finance apps look backward. Zibyl looks forward. We show you where your money is going — before it gets there.
A different approach
Other finance apps
- Connect to your bank account
- Track past spending only
- Monthly budget categories
- Best features behind a paywall
- Share data with third parties
Zibyl
- Manual entry only — zero credential risk
- Forward-looking cash flow projections
- Daily granularity projections
- 100% free forever — every feature included
- No third-party data sharing
Try Zibyl for free
See your financial future with clarity. Set up in under 3 minutes.
Get started freeNo credit card. No bank connection. Cancel anytime.