Set your monthly plan
Start each month by entering your total income and setting a spending cap — the maximum you want to spend in total that month. This becomes your financial north star for the month.
Ziko helps you set your monthly income, cap your spending, track fixed bills and variable expenses by category — and sends you an email the moment you overspend. Simple, powerful, and completely free.
Free forever · No hidden charges · Works on all devices · Install as an app
How it works
No complicated spreadsheets. No confusing dashboards. Ziko keeps budgeting as simple as it should be.
Start each month by entering your total income and setting a spending cap — the maximum you want to spend in total that month. This becomes your financial north star for the month.
Add your recurring bills — rent, internet, subscriptions, loan repayments. Ziko automatically carries them forward every month so you never re-enter them. Edit or delete anytime.
Create spending categories like Groceries, Transport, Eating Out, or Entertainment — each with its own monthly cap. Every time you spend, log it under the right category. Ziko does the maths for you.
Your budgeting journey
Here is exactly how a typical month in Ziko looks, from the moment you create your account.
Sign up with your email and a password, or use Google sign-in for one-click access. No payment details, no subscription, no trial period. Your account is free immediately and stays free forever.
At the start of each month, set your monthly income (e.g. $5,000) and total spending cap (e.g. $3,500). The cap is the maximum you plan to spend across everything — fixed bills plus variable day-to-day spending. Ziko immediately shows you how much room you have.
Add all your fixed monthly expenses: rent ($1,200), internet ($60), gym membership ($35), Netflix ($15), car insurance ($120). Enter them once. Ziko automatically carries these forward to every future month — so come May, they're already there. You can still edit amounts, delete old ones, or add new ones at any time.
Create flexible categories for your day-to-day spending. Examples: Groceries ($400/month), Transport ($200), Eating Out ($150), Entertainment ($100), Personal Care ($80). Each category has its own cap so you can see at a glance where you stand in every area of your life.
Every time you go grocery shopping, tap your Groceries category and add $65. Got an Uber? Tap Transport, add $12.50. The category total updates instantly. You can see your running balance for every category, and for your total month, in real time. Add a note and date to each entry for a full record.
When your Groceries spending goes over $400, Ziko instantly sends you an email alert — showing exactly how much you've spent, what the cap was, and how much you went over. Same alert fires if your total monthly spending exceeds your overall cap. No surprises at the end of the month.
At any point, check the Analytics view to see your spending patterns month by month across the whole year. See which months you stayed within budget, where you overspent, and how your habits trend over time. Use this insight to plan smarter every month.
Everything you need
Ziko is designed to remove the friction from personal finance — no spreadsheets, no complexity, just clarity.
Set a new plan every month with your income and total spending cap. Each month is independent so your tracking stays clean and organised.
Recurring bills like rent, internet, and subscriptions are carried over automatically each month. Enter once, forget forever — until you need to change them.
Create custom spending categories — Groceries, Transport, Dining, Entertainment, Health, Shopping, and more — each with its own cap and running total.
Get an automatic email alert the moment you exceed your total monthly cap or any individual category cap. Know in real time — not at the end of the month.
See your entire year at a glance. Month-by-month charts show your income, spending, caps, and savings trends so you can spot patterns and plan better.
Track your budget in USD, GHS (Ghanaian Cedi), NGN (Nigerian Naira), EUR, GBP, or CAD. Switch currency anytime with one tap.
Add Ziko to your iPhone or Android home screen like a native app. Works offline. No app store download required.
Sign in with your email and password, or use Google sign-in for instant one-click access. Your data is private and secured.
No freemium. No premium tier. No "free trial". Ziko is completely free for every feature, every user, forever. It is a free product by Vizra.
Supported currencies
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Available on every device
Ziko is a Progressive Web App — which means you can install it on your iPhone or Android home screen and open it just like a native app. No app store. No download fees. Works offline too.
Pricing
Ziko is a completely free personal budget tracker. There is no premium plan, no subscription fee, and no credit card required — ever. We believe everyone deserves access to tools that help them manage their money better.
Ziko is a free product by Vizra — a product studio building useful tools for everyday people.
Common questions
Contact Us
Have a question, partnership idea, or feedback about the product? Reach us through our social channels or sign in and use the in-app support option.
Create an account or sign in, then open the Feedback & Support option inside Ziko. That sends your message directly from your account email.
Reach out on the platforms where Ziko is active. You can follow updates, send a DM, or connect with us there.
Ziko is a free product by Vizra. If you want to partner with us, collaborate, or discuss brand opportunities, send us an email directly and we will get back to you.
Join thousands of people who use Ziko to take control of their monthly spending. No credit card. No subscription. No catch.
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The team & tools behind Ziko
Made by
Vizra
Vizra is a tech consulting company that helps businesses grow by supplying top talent, building software products, and providing end-to-end technology solutions. Ziko is one of the free tools they've built for everyday people.
vizra.com.co ↗Email powered by
MailShrine
MailShrine is an email marketing and transactional email platform built for businesses, developers, and marketers. It powers the overspend alert emails that Ziko sends to help you stay on top of your budget.
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