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 track your net worth

Your net worth is everything you own minus everything you owe — assets minus debts. It is the single best number for telling whether your finances are moving in the right direction, because it captures saving, investing, and paying down debt all at once. To track it, list your assets and liabilities and update the total regularly.

How to calculate net worth

Add up two lists and subtract one from the other:

Assets — cash and bank balances, savings, investments and pensions, the value of property and vehicles.
Liabilities — mortgage, car loan, student loan, credit-card balances, and any other debt.

Net worth = total assets − total liabilities. It can be negative early on (common with a new mortgage or student debt) — what matters is the trend.

How to track it over time

Record your net worth once a month, on the same day.
Watch the direction, not the day-to-day noise — is the line rising over months?
Update asset values (like property or investments) a few times a year.

Why it matters

Income tells you what you earn; net worth tells you what you are keeping. A rising net worth means your money is compounding in your favour. It is the number that quietly reflects every good financial habit you build.

Your net worth, tracked automatically

ZivaFinance connects every bank account, card, loan, and investment via Open Banking and keeps your net worth up to date — with FX-correct totals in your own currency and a value-over-time chart. Read-only, free to start.

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

This is general information, not financial advice.

Frequently asked questions

What is net worth?

Net worth is everything you own (assets like cash, savings, investments, and property) minus everything you owe (liabilities like loans and credit-card debt). It is a snapshot of your overall financial position.

How do I calculate my net worth?

Add up all your assets, add up all your debts, and subtract the debts from the assets. The result is your net worth. It can be negative early on — the trend over time is what matters.

How often should I track my net worth?

Once a month is enough for most people. Record it on the same day each month and watch the direction over time rather than the day-to-day changes.

Can an app track my net worth automatically?

Yes. ZivaFinance connects your accounts, loans, and investments via Open Banking and keeps your net worth updated automatically, with a chart of how it changes over time.