Why use Ziko instead of my bank’s budget tools?

Most bank apps show history. Ziko lets you set monthly caps, separate fixed vs variable spending, and get alerts when you go over.

Do I need to connect my bank to Ziko?

No. Ziko is manual by design so you can budget across accounts without sharing login credentials.

Yes. Ziko is free to use with no subscription and no credit card required.

No. Ziko is manual by design, so you can budget and track spending without sharing bank credentials.

Feature	Ziko	Bank apps
Price	Free No subscription	Usually free tied to one bank
Monthly budgeting	Yes	Varies
Category tracking	Yes	Varies
Bank login required	No Manual tracking	Often yes
Best for	Cross-bank monthly planning + caps	Transaction history for one bank

Ziko isn’t locked to one bank — plan your whole month in one place.

Set category limits up front and track progress as the month goes on.

Plan your month with income, fixed bills, and category caps — private manual tracking, no subscription, no bank login.