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Pre-launch · Early access

Every asset. One platform.

Your financial world. Unified.

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  • Bank accounts
  • Stocks & ETFs
  • Crypto
  • Property
  • Pensions
  • Cash & savings
  • Loans & cards
  • Funds
The problem

Your money is scattered. Your view of it shouldn't be.

Every tool answers one question. None of them answer the one that actually matters:
Where do I stand?

Scattered by default

Your finances are spread across different accounts, platforms and providers, making it difficult to see your complete financial position in one place.

Blind spots cost money

When your finances are fragmented, important changes can be easy to miss, from overlapping investments and idle cash to unexpected price increases.

Manual work, every month

Keeping everything up to date can mean exporting statements, updating spreadsheets and checking multiple accounts. It takes time and can quickly become outdated.

The product

We're building the next generation of personal finance.

Zirca is an AI-powered financial ecosystem that unifies your accounts, assets, investments and liabilities into one intelligent platform.

Know where you stand.

  • Live net worth across all connected accounts
  • See assets and liabilities in one view
  • Track your financial position over time
  • Multi-currency with automatic conversion
Zirca overview: net worth of $552,105, up $18,240 this month, with a 12-month chart, asset, liability and cash tiles, a card converting cash held in four currencies, and six connected accounts synced live.
Built to do everything

Most apps do one thing well. Zirca does them all.

One intelligent platform that unifies your entire financial world.

  1. Unified dashboard

    View your financial world.

    Dashboard. Unified dashboard. Total net worth across every account and asset class, in one view, always current. Total net worth in one view, Every account and asset class, Always current balances, Priced in your base currency, Daily movement at a glance, Allocation across your assets. Included in every plan, from Zirca Go up. See pricing.

  2. Connected accounts

    Bring them all together.

    Connections. Connected accounts. Link your accounts through regulated open-banking providers. Transactions sync automatically, read-only. Regulated open-banking providers, Read-only by default, Automatic transaction sync, Revocable access tokens, Your bank login is never stored, Disconnect from either side. Up to 3 connections on Zirca Go, 10 on Zirca Pro, unlimited on Zirca Plus. See pricing.

  3. Multi-asset tracking

    Track everything you own.

    Assets. Multi-asset tracking. Stocks, ETFs, funds, crypto, property, pensions and cash, priced daily in your base currency. Stocks, ETFs & funds, Crypto, Property & pensions, Cash, savings & cards, Daily pricing, Base-currency conversion. Manual tracking on Zirca Go. Full automatic tracking from Zirca Pro. See pricing.

  4. AI-powered insights

    Understand your money.

    Insights. AI-powered insights. Cash-flow forecasts, spending patterns and smart alerts, generated from your data, not averages. Cash-flow forecasts, Spending patterns, Smart alerts, Plain-language answers, Duplicate-charge detection, Built from your data, not averages. Core insights on Zirca Pro. The full AI layer on Zirca Plus. See pricing.

  5. Budgets & goals

    Plan what comes next.

    Budget. Budgets & goals. Automatic categorisation, goal tracking with projected dates, and alerts before you overspend. Automatic categorisation, Goal tracking with projected dates, Alerts before you overspend, Recurring-payment detection, Custom categories & rules, Spending by category. Basic budgeting on Zirca Go. Goals and smart alerts from Zirca Pro. See pricing.

  6. Reports & exports

    Take your data with you.

    Reports. Reports & exports. Manual entries, CSV import and clean exports, so the numbers work wherever you need them next. Manual entries, CSV import, Export at any time, on any plan, Advanced reporting & exports, Clean, portable formats, No lock-in, ever. Exports on every plan. Advanced reporting on Zirca Plus. See pricing.
Zirca AI

Insight is the product. The dashboard is where it lands.

Zirca AI transforms your financial data into predictive insights, intelligent forecasting and actionable recommendations, helping you understand your financial position and what to do next.

Zirca AI, three conversations. Forecast, one step ahead: Zirca projects your future balances using your income, spending and recurring commitments, helping you plan ahead. You ask: Will my balance hold until the end of March? Zirca AI: Your balance is projected to fall below $5,000 on 22 March, mainly due to your insurance renewal. Cash flow forecast: lowest point 22 March, $4,820.00, below $5,000, with the projected range against the threshold. Suggestions: Show the forecast, Move money to savings. A push reads: Balance forecast updated. Explain, understand what's happening: ask questions in plain language and see the insight behind every transaction. You ask: Why was my spending so high last quarter? Zirca AI: Your spending was 18% higher in Q3 than Q2, mainly due to one flight and two hotel bookings. Spending insight: +$1,240.00, up 18%, the four quarters as bars. Suggestions: See the transactions, Compare to Q2. A push reads: Q3 spending explained. Alert, needs your attention: Zirca highlights unusual charges, rising costs, duplicate payments and other changes across your accounts. You ask: Has anything changed this month? Zirca AI: Your subscription increased from $39 to $71 this month. This is $32 higher than your last payment. Price increase: home broadband, $71.00, up $32.00, six months of payments. Suggestions: Review subscription, Set an alert. A stack of pushes, the front one reads: Price increase alert. Zirca AI, financial intelligence, always on. Ask Zirca anything.

Zirca AI provides information, predictive insights, and intelligent forecasts, not financial advice.

Privacy & Protection

The product is the privacy policy

Asking someone to connect every account they own is a serious request. Zirca is designed to protect your privacy, secure your data, and keep you in control.

  • Read-only access
  • Always encrypted
  • Never sold, never shared

  1. What we see.

    Zirca reads balances and transactions to build your dashboard. Connections are read-only, so Zirca cannot move money or make payments on your behalf.

    Access
    Diagram: one arrow from your bank to Zirca carries balances and transactions; the way back for moving money or making payments is blocked.

  2. Your login stays with you.

    You authenticate directly with your bank through regulated open-banking providers. Zirca receives a secure, revocable connection, not your username or password.

    Sign-in
    Diagram: you sign in with your bank; the bank passes Zirca a secure token. Username and password stay with the bank; the connection is revocable at any time.

  3. End-to-end encrypted.

    Your data is encrypted both when it's being transferred and securely stored. Your sensitive information is protected using industry-standard security.

    Encryption
    Diagram: a balance in the app becomes ciphertext when stored and sent; in transit and at rest, both encrypted.

  4. Secure access, only for you.

    We use biometrics, multi-factor authentication and session controls to help keep your account secure. You can add or remove a device from Zirca at any time.

    Access control
    Diagram: three rings around you, session controls, two-factor and biometrics.

  5. Approved access, only when needed.

    Zirca only requests access to the information needed to provide its services. Access is controlled and monitored to keep your financial information protected.

    Permissions
    Diagram: requested, balances, transactions and account name; not requested, payments, identity documents, contacts and location; 3 of 7 data types, every access logged.

  6. When you leave, so does your data.

    Disconnect your accounts at any time. Export your data, and take your financial information with you. You're in control of your Zirca.

    Your data
    Diagram: disconnect, export, delete; data Zirca keeps after you leave, 0.
Pricing

Everything you need, on your terms.

Start free, then upgrade when you want more from Zirca.

Get 2 months free with annual subscriptions.

Zirca Go

Plan 01
$0/yr

Free forever

See your financial position in one place.

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What's included

  • Financial insights
  • Budgeting & goals
  • Net worth overview
  • Manual tracking (CSV)
  • Up to 3 connected accounts
  • AI support

Zirca Pro

Plan 02
$99.99/yr

or $9.99/mo

Track everything automatically, with more insight.

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What's included

  • Zirca AI insights
  • Investment tracking
  • Transaction Intelligence
  • Automatic tracking (API)
  • Up to 10 connected accounts
  • Email support

Zirca Plus

Recommended
$149.99/yr

or $14.99/mo

Unlock advanced AI analytics and reporting.

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What's included

  • Zirca AI assistant
  • Advanced analytics
  • Performance reports
  • Cash flow forecasting
  • Unlimited connected accounts
  • Priority support
Get in touch

Talk to us

Read by the people building Zirca.

Investors

For investment enquiries, our current round, the deck, or what's next.

Get in touch.

Investor enquiries

Partners

For integrations, distribution, Banking-as-a-Service, or media enquiries.

Let's collaborate.

Partner enquiries

Support

Questions about Zirca, early access, your account, or anything else.

We're here to help.

hello@zirca.co

See everything you own, in one place.

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