Make your money last until payday.
Your bank balance doesn’t tell the whole story. Zalt shows what’s left for everyday spending after upcoming bills and money you want to keep aside.
See how Zalt worksKept aside for upcoming bills
AUD 650
10 days until payday
Left for everyday spending
AUD 350- Money available now
- AUD 1,200
- Kept aside for upcoming bills
- AUD 650
- Money you want to keep aside
- AUD 200
Money you want to keep aside
AUD 200No bank connection. No loan offers. Works offline.
A clearer picture in three steps.
Start with your current balance and next payday. Use the money you have today; expected pay stays separate until it arrives.
- Money available now
- AUD 1,200
- Kept aside for upcoming bills
- AUD 650
- Money you want to keep aside
- AUD 200
- Left for everyday spending
- AUD 350
10 days until payday
Based on the balance and commitments you enter. Zalt helps you plan; it doesn’t move your money.
Daily spending guide
AUD 35Give today’s spending a little direction.
Groceries, a coffee, the trip home. A daily guide gives you a reference for the everyday decisions between paydays. Check your plan as your balance or bills change.
Missed a few days? Carry on.
Life gets busy. You don’t need to reconstruct every purchase to pick up your plan again. Update your current balance and Zalt works from where you are now.
Update your balance
A fresh starting point. Your bills stay in your plan.
Your money is personal. Your plan stays that way.
No bank login and no Zalt account. Optional encrypted copies go to your chosen storage provider. Zalt receives neither your plan nor your recovery code. CSV exports are unencrypted files you choose to save. Automatic cloud backup is not connected. The Activity screen may show sponsored offers loaded from zalt.fyi; that request only says which country's offer list to load, never your area, balances or anything else from your plan.
Privacy PolicyFrequently asked questions
No. Add spending as you go, or update your current balance when you need to catch up. You can continue without filling in every missed purchase. Keep your bills and income dates current too.
Zalt uses your available balance and accounts for bills and money kept aside in your plan. Expected income is separate until you record receiving it. The estimate depends on the balance and commitments you enter; it is a guide, not a guarantee.
No. You enter your balance and upcoming bills yourself. Zalt never asks for your bank login, so there is no connection to break. Your plan works offline, and Zalt never offers loans.
Your plan stays on this device unless you save an encrypted copy or export CSV files from Settings. Keep an encrypted copy off your phone and save its recovery code separately. CSV files are not encrypted. Automatic cloud backup is not connected.
Zalt is being built for Australia, the Philippines, Indonesia, Thailand, Malaysia and Latin America. Launch news will appear on this site.
A little more clarity. All the way to payday.
Zalt is coming to iPhone and Android. Start with your balance, your payday and your bills.