ZivaFinance (Ziva) is a Norwegian AI personal finance app. It automatically aggregates every bank account and card through Open Banking and turns them into one calm, honest number, with a 12-month cash-flow forecast, an AI money coach, family sharing, savings goals, and unique EV-charging and solar cost insights. It runs as a PWA in 14 languages and works offline.

How much does ZivaFinance cost?

ZivaFinance is free to start. Premium is 99 NOK per month (or 799 NOK per year) and adds the Ziva AI assistant, overspend alerts, a 12-month cash-flow forecast, savings goals, family sharing, full portfolio and net-worth tracking, and EV-charging and solar insights.

Which banks does ZivaFinance support?

ZivaFinance connects to Norwegian and European banks through regulated Open Banking (PSD2), so it can aggregate accounts and cards across most banks automatically rather than only a single provider.

Is my banking data safe with ZivaFinance?

ZivaFinance uses regulated Open Banking (PSD2) for read-only access to your accounts, is built to be GDPR-compliant, and never moves money on your behalf. You can revoke access at any time.

What makes ZivaFinance different from other budgeting apps?

Instead of manual budgeting, ZivaFinance answers a single question — can I afford this? — with a forward-looking 12-month cash-flow forecast, an AI money coach that warns you before you overspend, real family sharing, and EV-charging and solar cost insights that almost no other personal finance app offers.

Does ZivaFinance work for families and couples?

Yes. ZivaFinance supports household sharing so couples and families can see a shared picture of their finances, with permission levels that control who can see and edit what.

How to budget with AI

Budgeting with AI means letting software do the tedious parts for you — automatically categorising every transaction, spotting patterns, forecasting your cash flow, and nudging you before you overspend — instead of maintaining a manual spreadsheet. You still make the decisions; the AI just removes the busywork and looks further ahead than you can by hand.

What AI budgeting actually does

Automatic categorisation. It reads your bank and card transactions and sorts them into categories, so your budget updates itself.
Forecasting. It projects your balance and cash flow weeks or months ahead from your real income and recurring bills — answering can I afford this before you spend.
Alerts and coaching. It warns you before you overspend a category, flags forgotten subscriptions, and suggests where to cut.
Plain-language answers. You can ask questions like how much did I spend on groceries and get a straight answer.

How to start budgeting with AI, step by step

1. Connect your accounts. Choose an app with automatic bank sync (Open Banking) so every account and card flows in.
2. Let it categorise. Review the first auto-categorised weeks and correct anything wrong — the AI learns from it.
3. Set a few targets. Add budgets for the categories that matter and one or two savings goals.
4. Watch the forecast. Use the forward view to plan big purchases and avoid running short.
5. Act on the nudges. Let the alerts catch overspending early instead of at the end of the month.

What to look for in an AI finance app

Automatic bank & card sync via regulated Open Banking (PSD2)
A forward-looking forecast, not just a report of the past
Clear privacy: read-only access, and it never moves your money
Family sharing if you manage money with a partner
Your language, and a fair price with a free tier

An AI money coach, built in

ZivaFinance connects every bank account and card via Open Banking, categorises spending automatically, forecasts your cash flow 12 months ahead, and warns you before you overspend — in 14 languages, read-only, free to start.

See ZivaFinance features · How much should I save? · Join the waitlist

This is general information, not personal financial advice. Always consider your own situation.

Frequently asked questions

What does it mean to budget with AI?

It means using software that automatically categorises your transactions, forecasts your cash flow, and warns you before you overspend, instead of maintaining a manual budget. You still make the decisions; the AI removes the busywork.

Is AI budgeting safe?

Yes, when the app uses regulated Open Banking (PSD2) with read-only access. A trustworthy app cannot move your money, is GDPR-compliant, and lets you revoke access at any time.

Can AI predict my spending?

Yes. AI budgeting apps use your real income and recurring bills to forecast your cash flow weeks or months ahead, so you can see whether you can afford something before you spend.

Do I still need to do anything myself?

A little. You connect your accounts, correct the occasional miscategorised transaction, and set a few targets. After that, most of the work is automatic.

Which app is good for AI budgeting?

Look for automatic Open Banking sync, a forward-looking forecast, and an AI coach. ZivaFinance is built around exactly these, with family sharing and support for 14 languages.