What is a good free Simplifi alternative?

If you want monthly budgeting and category tracking without paying for a subscription, Ziko is a free personal budget app designed for planning your month and tracking spending by category.

Do I need bank sync to budget with Ziko?

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

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

Simplifi Alternative (Free) — Ziko Personal Budget App

Quick comparison: Ziko vs Simplifi

Feature	Ziko	Simplifi
Price	Free No subscription	Paid Subscription
Monthly budgeting	Yes	Yes
Category tracking	Yes	Yes
Bank login required	No Manual tracking	Optional
Best for	Free monthly plan + category tracking	Paid dashboards and automation

Next steps

Start with a plan: Monthly Budget Calculator
Pick categories fast: Budget Categories List
Track the 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.

Create free account Try a calculator first

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