Quick comparison: Ziko vs Cleo
| Feature | Ziko | Cleo |
|---|---|---|
| Price | Free No subscription | Free + paid subscription for more features |
| Monthly budgeting | Yes | Varies |
| Category tracking | Yes | Varies |
| Bank login required | No Manual tracking | Often yes |
| Best for | Structured monthly caps + alerts | AI chat and coaching style tips |
Who Ziko is best for
You want a plan you can stick to
Ziko’s workflow is income, fixed bills, then category caps — simple and repeatable.
You don’t want to pay for core budgeting
Core budgeting features stay free, with calculators and guides on zikobudget.com.
Next steps
- Start with a plan: Monthly Budget Calculator
- Pick categories fast: Budget Categories List
- Budget your month in Ziko: Create free account
Ready to try Ziko free?
Plan your month with income, fixed bills, and category caps — private manual tracking, no subscription, no bank login.