Free to spend, at a glance
What’s left in your spending categories plus money with no job yet — never the rent, EMIs or SIPs your plan has already set aside — and what that comes to a day.
Monthly Budget Planner · Free to download
Know what’s free to spend.Every single day.
Zyfin turns your bank’s alert emails into a live monthly plan — rent, EMIs, SIPs and daily spends — so one number tells you what is still free to spend after all of it, and what that comes to a day.
(opens in a new tab)Coming sooniPhone app- No SMS access
- No ads, ever
- Encrypted on your phone
Features
Everything your month needs. Nothing it doesn’t.
Plan once, and Zyfin keeps the plan honest every day — as payments land, not at the end of the month.
Bank alerts become transactions
Forward your bank’s alert emails and each payment arrives as a card. Tap “Yes, that was me” and it lands in the right place.
A plan for every rupee
Rent, EMIs, SIPs, bills, goals and spending limits — with what’s left over always in plain sight.
Warned before, not after
A heads-up while a budget is running out — not a report once it’s already gone.
Splits that settle themselves
Split a bill with friends. When their repayment lands in your bank, Zyfin offers to close it. They don’t need the app.
Credit cards and EMIs, handled
Statement dates, what’s due and when, and the month each EMI finishes — with the money it frees up.
Statements and bills, too
Import the password-protected statement PDFs your bank emails — Zyfin usually works out the password from your profile — or photograph a bill, read on your phone.
How it works
Set up in minutes. Stays up to date on its own.
No bank passwords, no SMS permissions, no reading your inbox. You stay in control of what Zyfin sees.
- 1
Tell Zyfin where your money lives
Tap the banks you use and what lands in them each month. Your plan starts from real numbers.
- 2
Forward your bank alerts
Set one Gmail forwarding rule to your private Zyfin address. Only the emails you choose ever reach us.
txn-••••••@zyfin.zyfolks.com - 3
Know what’s free to spend
Every payment lands against the right line of your plan, and one number tells you what’s still free — this month, and a day.
Privacy promise
Your money is your business.
Zyfin is built so there is nothing to sell. The copy of your budget that matters lives on your phone.
Read the privacy policyNo SMS reading
The app asks for no SMS permission on Android or iPhone.
No mailbox access
We never sign in to your email. You forward the alerts you choose.
No ads. No data selling.
No advertising, no analytics trackers, and nothing to place in front of you.
Encrypted on your phone
The database is encrypted with a key held in your phone’s secure hardware.
Works offline
Your plan is on your phone first. An account only backs it up and syncs a second device.
Delete everything, any time
One step in Settings removes your account and all of its data.
FAQ
Questions, answered.
Is Zyfin free?
Zyfin is free to download on Google Play. There are no ads, and your data is never sold.
How does Zyfin see my transactions without reading SMS?
You forward your bank’s alert emails to your own private Zyfin address, and each payment arrives in the app as a card to confirm. You can also import the statement PDFs your bank emails you, photograph a bill, or add a payment by hand.
Which banks are supported?
Alert emails from HDFC Bank, SBI, Axis Bank, Federal Bank, IDFC FIRST Bank, Canara Bank and BOBCARD are read today, and support for more banks is added on our side without an app update. Payments from any bank can always be added by hand.
Is my data safe?
The database on your phone is encrypted with a key kept in the phone’s secure hardware, everything in transit uses HTTPS, and on our servers every row is locked to your account. Zyfin has no advertising and does not sell data.
Do I need an account?
Your budget lives on your phone. An account backs it up, keeps a second phone in step, and gives you the private address that forwarded bank emails arrive at.
Is there an iPhone app?
The iPhone app is coming soon. Zyfin is available on Android today through Google Play.
How do I delete my data?
In the app, open Settings → Privacy and data → Delete my account and data. If you no longer have the app, you can delete your account on this website instead.
Plan your month in minutes.
Download Zyfin and see what’s free to spend before your next payment lands.
(opens in a new tab)Coming sooniPhone app