Everything you need to forecast with confidence

No bank connections. No premium tier. Every feature below is free.

Cash Flow Projections

See your balance trajectory from next week to next year. Zibyl combines your accounts, bills, and planned transactions into a single interactive chart at daily granularity.

  • 7 projection periods from 1 week to 1 year
  • Multi-account overlay with colour-coded lines
  • Full-screen mode for deep analysis
  • Daily resolution — no sampling or averaging
9:41 100% Total Balance $12,480 + Add NAB ING Cash Cash Flow Projection +$2,450 Feb Mar Apr May Recent Transactions S Salary Deposit NAB · Today +$4,200 R Rent Payment NAB · Tomorrow -$1,850

Negative Balance Warnings

Get warned before any account dips below zero. Zibyl scans 60 days ahead and alerts you to trouble before it arrives.

  • Per-account and aggregate balance warnings
  • Countdown in days to first negative date
  • Lowest projected balance highlighted
  • Green all-clear when everything looks healthy
Balance Warnings ✓ Total balance looks good No negative projection in 60 days ! NAB Everyday Goes negative in 12 days Lowest projected: -$340.00 ! Cash Drops below $100 in 28 days Lowest projected: $45.00 ✓ ING Savings Healthy — stays above $2,800 60-day projection summary 2 accounts need attention 1 goes negative

Recurring Rules & Overrides

Bills, salary, subscriptions — set them up once with per-occurrence control. Skip a week, change an amount, or reschedule a single payment without touching the rule.

  • 6 frequencies: daily, weekly, fortnightly, monthly, quarterly, yearly
  • Override, skip, or reschedule individual occurrences
  • Automatic end-of-month handling for short months
  • Import and export rules via CSV
Recurring Rules $ Salary Monthly · NAB +$4,200 R Rent Monthly · NAB -$1,850 E Electricity Quarterly · ING -$280 N Netflix Monthly · ING -$22.99 F Freelance Income Weekly · Cash +$800 + Add Rule

What-If Scenarios

Model financial decisions before you commit. “What if I take this job?” “What if I move cities?” Create, compare, and apply scenarios to see the impact on your forecast.

  • Add hypothetical transactions and recurring rules
  • Compare two scenarios side-by-side
  • Apply to your dashboard to see the full effect
  • Clone and iterate on existing scenarios
What-If Scenario Active: "New Job Offer" Balance Comparison Scenario Current Feb Apr Jun Aug Changes + New salary +$5,800/mo Replaces current $4,200/mo - Higher rent -$2,200/mo Moving to new city Net monthly impact +$1,250 You'd have $15,480 more in 6 months

Multi-Account Tracking

One timeline for all your accounts. Track checking, savings, and cash accounts in a single colour-coded view so you always know which is which.

  • Custom colours and slugs for every account
  • Individual and combined balance projections
  • Account-to-account transfers in one action
  • Archive accounts without losing history
Accounts Total Balance $12,480.00 NAB NAB Everyday Checking · 3 upcoming $8,240.00 ING ING Savings Savings · 1 upcoming $3,100.00 CASH Cash Cash · No upcoming $1,140.00 + Add

Balance Reconciliation

Keep your forecasts aligned with reality. Verify real balances against projections and let Zibyl make the corrections automatically.

  • Per-account balance verification
  • Automatic adjustment transactions
  • Cascading recalculation for past changes
  • Reconciliation history with audit trail
Reconcile Balances NAB Everyday Expected: $8,240.00 $ 8,156.50 ING Savings Expected: $3,100.00 $ 3,100.00 Cash Expected: $1,140.00 $ 1,080.00 Total Adjustment -$143.50 2 accounts need adjustment Save Reconciliation Last reconciled: 2 days ago

Financial Calendar

See your money month by month. Every day shows your projected balance with colour-coded dots for each account that has activity.

  • Monthly calendar with daily balance display
  • Click any day to see its transaction breakdown
  • Account activity dots for quick scanning
  • Filter by account or view all at once
February 2026 < > Mon Tue Wed Thu Fri Sat Sun 26 $11.2k 27 $11.4k 28 $11.1k 29 $10.9k 30 $10.8k 31 $15.0k 1 $14.8k 2 $14.6k 3 $12.8k 4 $12.7k 5 $12.5k 6 $12.4k 7 $12.3k 8 $12.2k 14 $12.5k February 14 $12,480 Salary +$4,200 NAB Netflix -$22.99 ING End of day balance: $12,480.01

Backup & Data Safety

Encrypted exports and one-click restore. Your data is protected with AES-256-GCM encryption, row-level database isolation, and zero bank connections.

  • AES-256-GCM encrypted backup exports
  • Upload and restore with one click
  • Automatic safety backups before destructive actions
  • Export forecasts to Excel spreadsheets
Backups Create Backup Manual Monthly backup Feb 10, 2026 · 3 accounts · 42 transactions 8 recurring rules · 2 scenarios Auto Safety Pre-restore Feb 8, 2026 · 3 accounts · 38 transactions 8 recurring rules · 2 scenarios Manual Weekly snapshot Feb 3, 2026 · 3 accounts · 35 transactions 7 recurring rules · 1 scenario 🔒 All backups encrypted with AES-256-GCM

And there's more

Every tool you need to stay on top of your finances — all included for free.

Dashboard Summary

Balance, income, expenses, and net cash flow at a glance.

Financial Calendar

Monthly view with daily balances and transaction dots.

Transaction Feed

Today, upcoming, and recent transactions with running balance.

Categories

Hierarchical categories with colour-coded badges, custom subcategories, and inline creation.

Transfers

Move money between accounts with linked transactions.

Demo Mode

Explore with realistic data before committing your own.

Dark Mode

Full light and dark themes with system detection.

Progressive Web App

Install to your home screen for a native app experience.

CSV Import

Bulk import recurring rules from CSV files.

Excel Export

Download forecasts and transactions as spreadsheets.

Custom Colours

72 presets or hex input for account personalisation.

20 Currencies

Support for AUD, USD, EUR, GBP, and 16 more.

Ready to try it?

Every feature above is free. No credit card required. Set up in under 3 minutes.

Start free—see your forecast

No bank connections. Your data stays yours. Export or delete anytime.