What is ZivaFinance?
ZivaFinance (Ziva) is a European AI personal finance app, launching
in Norway. Every other finance app tells you what you spent. ZivaFinance tells you what
your balance will be weeks ahead — projected day by day from your real bills, credit-card
due dates and loan schedules — so you see a tight week long before it arrives, while you
can still do something about it. It aggregates every bank account, card, loan, investment
and pension through regulated Open Banking (PSD2) into one calm, honest picture.
Key features
- Automatic bank & card sync via Open Banking (PSD2) — no manual entry.
- 12-month cash-flow forecast — see whether you're okay before you're not.
- AI money coach that warns you before you overspend and analyses your budget.
- Savings goals and automatic spending categorisation.
- Family & household sharing for couples and families, with permission levels.
- Portfolio and net-worth tracking.
- EV-charging and solar cost insights — a differentiator few finance apps offer.
- Works in 14 languages, offline, with a free 30-day Premium trial.
Who it's for
People and families across Europe who want to stop dreading their finances and instead
get a single, trustworthy daily glance at their money — powered by AI rather than
manual spreadsheets.
Pricing
Every new account starts with a free 30-day Premium trial. After that, Basic is
3.90 EUR/month for the everyday picture, and Premium is
9.90 EUR/month
(99 EUR/year) and unlocks the Ziva AI
assistant, cash-flow forecast, family sharing, full portfolio, and
EV/solar insights. Local pricing applies in some countries — see
Pricing.
Who builds it
ZivaFinance is built in Norway by Tore Hetland (ZivaFinance AS), who
spent 35 years in logistics — nine of them as global logistics director at Aker BioMarine,
then managing director of Bring Home Delivery Norge. Logistics is the discipline of knowing
where something is and when it lands. ZivaFinance asks the same question about money: not
where it went, but what is already on its way and when it arrives.
See a live forecast — a real projection on an example
household, no account needed.
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