EnglishThe forecast came first.
Zelvo is a budgeting, forecasting and investing app, driven by forms and by an assistant you can talk to. The forms and the assistant submit the same 50 budget actions, so anything you can click, you can also ask for.
Zelvo's first screen was a forecast.
One question started it: which month does this end? Zelvo’s founder had apps that totalled last month and sorted it into categories. Not one would carry the balance forward and name a month.
Zelvo marks every goal on time or at risk.
We chose not to connect to your bank.
A bank connection means an aggregator holds standing read access to your account, and it still reaches only the banks that aggregator covers.
Zelvo ships import presets for eleven banks and a generic CSV reader for everything else. Your CSV or XLSX is parsed in the browser, so that file never leaves the tab — only the rows you confirm are sent. A PDF goes to the assistant to read, up to 4 MB. Zelvo then matches new rows against your last 200 confirmed merchants with no model involved, and you approve the batch before anything books.
Approval is checked in the server, not in the chat.
Deletes, archives, invites and ownership transfers run only when the request carries your explicit approval, and the server checks for it in the same code a form goes through. No wording inside a chat message stands in for that approval.
You can hand the assistant five non-destructive action types to run without asking, each scoped to one budget, with an optional amount ceiling and an optional expiry — and one switch pauses all of it. If its undo rate passes 5%, Zelvo demotes that automation back to asking. Zelvo sends one push a day at most, only between 09:00 and 21:00 local time, and keeps at most six proposals open. Nothing arrives on the day your weekly review lands.
Who Zelvo is for
- If you have never kept a budget, one statement file is enough to begin. Zelvo totals your last month and shows a first three-month glimpse of where it is heading; the full forecast opens on Basic. The setup conversation gives you 15 turns that do not count against Free's ten lifetime messages.
- Six levers change income, category limits, extra debt payments, goal contributions, a cash reserve, and purchases you have not made yet.
- Every plan does this, Free included. Zelvo treats seven currencies as first class, so an invoice in EUR and rent in PLN land in one total.
- Zelvo does not ask you to pick one of these at signup.
What we refuse to build
- We are not aggregating bank accounts. Holding read access to thousands of people's accounts makes Zelvo worth attacking, and a team our size should not hold that. If that ever changes, it stays optional and off by default.
- Zelvo will not tell you what to buy, hold or sell. The yield shelf lists 12 sources with each rate printed next to its 30-day average where one is available, and states in the same place that rates change and capital is at risk. You do the picking.
- Zelvo never holds your money, and never holds a key it can use. Zelvo shows a generated seed once and stores it encrypted, and never decrypts one in order to sign. On Pro, 4 of the 12 sources execute in the app, and your own wallet signs and broadcasts every one. We take no per-transaction fee and no referral kickback.
- Zelvo keeps no score of you. Nothing here builds a streak you can break, and a quiet week earns no badge. Zelvo will not rate your creditworthiness, and it produces no number about your habits for anyone else to read.
Where Zelvo is today
Free is $0 and needs no card. Every budget exports as versioned JSON that imports back. Deleting your account deletes your rows.