Quick comparison: Ziko vs Excel
| Feature | Ziko | Excel |
|---|---|---|
| Price | Free No subscription | Varies |
| Monthly planning | Yes | Often yes |
| Bank login required | No Manual tracking | Often optional or required |
| Best for | Simple monthly plan + tracking | Excel users exploring free options |
Who Ziko is best for
You want free monthly budgeting
Plan income and category caps without paying for another subscription.
You prefer privacy-first tracking
Manual logging keeps banking credentials off budgeting apps.
Next steps
Ready to try Ziko free?
Plan your month with income, fixed bills, and category caps — private manual tracking, no subscription, no bank login.