ZivaFinance (Ziva) is a European AI personal finance app, launching in Norway. 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 build an emergency fund

An emergency fund is money set aside for life's surprises — a broken car, a dental bill, a sudden loss of income. A common target is three months of essential expenses, kept somewhere safe and easy to reach. It is the buffer that stops a bad week from turning into credit-card debt, and it is usually the first thing to build before any other savings goal.

How much should you have?

Starter buffer: one month of essential expenses — a realistic first goal.
Full fund: three months of essential expenses for most people.
More if your income is variable (freelance, commission) or you are a single earner — aim for closer to six months.

"Essential expenses" means rent or mortgage, food, transport, insurance, and bills — not holidays and extras.

Where to keep it

An emergency fund should be safe and quickly accessible — a separate savings account, not tied up in investments that could fall in value right when you need the money. Keeping it in its own account (away from your everyday spending) makes it far less tempting to dip into.

How to build it, step by step

1. Set the target. Work out one month of essential expenses, then multiply by three.
2. Open a separate account. Keep the fund apart from your daily money.
3. Automate it. Set up a fixed transfer on payday, before you can spend it.
4. Start small. Even a modest monthly amount compounds; the habit matters more than the size.
5. Top it up after use. If you dip in, rebuild it before moving on to other goals.

See how fast your buffer can grow

ZivaFinance shows a 12-month cash-flow forecast and lets you set a savings goal for your emergency fund, so you can see exactly how much you can set aside each month without running short. Free to start, in 14 languages.

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

This is general information, not personal financial advice.

Frequently asked questions

How much should an emergency fund be?

A common target is three months of essential expenses. Start with one month as a first goal, and aim for closer to six months if your income is variable or you are the only earner.

Where should I keep my emergency fund?

In a separate, easily accessible savings account — not in investments that could drop in value when you need the money. Keeping it apart from everyday spending makes it less tempting to use.

Should I build an emergency fund or pay off debt first?

Build a small starter buffer of about one month first, then focus on paying down expensive debt, and come back to complete the full three-month fund afterwards.

How do I build an emergency fund on a tight budget?

Automate a small, fixed transfer on payday and let it compound. The habit matters more than the amount. A cash-flow forecast can show how much you can safely set aside.