Monthly plan
50/30/20, a fixed share to invest, or your own split. Your income divides itself on the 1st.
November plan
- Needs€925
- Goals€277
- Investing€277
- Lifestyle€370
Calendar · November
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Next: gym, on the 22nd€30
To invest in November · €277
- World ETF€140
- Stocks€80
- Bonds€40
- Gold€17
Every euro, assigned.
On the 1st of every month, your income splits itself across bills, goals, investing and lifestyle. You just follow the month.
How it works
You import your bank statements. ZYVOR files every transaction in its category, tracks the pace of your month and, on the 1st, splits your income across what matters: your bills, your safety net, your goals, your investments and your lifestyle.
Try it with your numbers
Type what you earn and what your month costs, and choose how to split it. This is how ZYVOR would do it on the 1st. Nothing is saved.
€
€
How to split
50% for needs, 30% for lifestyle, 20% for saving. The classic rule, nothing to set.
Needs50% €750
Lifestyle30% €450
Saving20% €300
Income€1,500
- Needs€750 50% of income
- Emergency fund€188 13% of income
- Investing€112 7% of income
- Lifestyle€450 30% of income
Where each euro goes
- 1Needs get 50% of the income, €750. Your bills are €750.
- 2Lifestyle gets 30%: €450.
- 3Saving is €300: €188 goes to the emergency fund first and €112 is invested.
Your emergency fund (six months of bills, €4,500) would be full in 24 months.
Example only, not financial advice. In the app you set your own categories, goals and split.
Make my planInside ZYVOR
The plan, the calendar, the portfolio, your goals and the monthly review, with example data.
What ZYVOR does
Everything you need to know what to spend, what to save and where to invest. No spreadsheets.
Goals
Emergency fund first, then every goal in your order of priority, with a deadline and progress.
Calendar
Subscriptions, recurring bills and yearly costs in one place, flagged when one runs high.
Investing
Targets by group and by asset, and every month what to buy to get back on target, without selling.
See each feature
Pick a screen. Each one shows what you'd see in the app, with example data.
Your month, split on the 1st
zyvor
From statement to plan
What the 1st of the month looks like, from the file your bank gives you to the last transfer.
- 1
Import your statement
Export the month from your bank and drop the file in. No bank logins.
Import · October
bank-statement-october.csv142 transactions · 138 categorised
- SupermarketGroceries€54
- Metro cardTransport€40
- StreamingSubscriptions€11
- 2
Check last month
Every transaction is already in its category. You see what you planned against what you spent.
Review October
- Groceries€220−€18
- Eating out€90+€12
- Transport€60−€9
- 3
Confirm the new plan
Your income splits across needs, goals, investing and lifestyle. Adjust it if you want.
Confirm November · €1,850
Needs
€925
Goals
€277
Investing
€277
Lifestyle
€370
- 4
Make the transfers
ZYVOR lists what to move and where. Tick them off as you go.
Transfers · 2 of 3 done
- Broker · invest€277
- Savings · emergency fund€185
- Savings · trip€92
Import · October
bank-statement-october.csv
142 transactions · 138 categorised
- SupermarketGroceries€54
- Metro cardTransport€40
- StreamingSubscriptions€11
Your monthly review
Four steps, a few minutes on the 1st. You start every month with each euro in the right place.
Your data is yours
No bank logins
We never ask for access to your bank.
File import
Export the statement from your bank and import the file.
Take it or delete it
Export your data or delete your account whenever you want.
Pricing
Start free. A Premium plan is coming for those who want more.
Free
€0while ZYVOR is in early access
- Monthly plan and the review on the 1st
- Statement import
- Goals and the emergency fund
- Calendar of recurring payments
- Portfolio and what to buy
PremiumComing soon
€3.99a month, or €29 a year
- Everything in Free
- A shared plan for couples
- Rules to categorise automatically
- Reminders on the 1st
- Full history and deeper analysis
Questions
Do I have to give ZYVOR access to my bank?
No. You export the statement from your bank's app or website and import the file. ZYVOR never asks for bank logins.
Which banks work?
For now, Revolut statements and the Trading 212 history. Other accounts can be kept by hand, and more banks are on the way.
Does ZYVOR tell me what to invest in?
No. You set your own targets by group and asset. ZYVOR only shows how this month's money gets you back to them.
Who can see my data?
Only you. Every row in the database belongs to your account and nobody else's can read it. The connection is encrypted.
Can I leave and take my data?
Yes. You can export everything to a file or delete your account, whenever you want.
How much does it cost?
Nothing while ZYVOR is in early access.