Where will your money be tomorrow?
Sefizo forecasts your cash flow day by day — so you always know what's coming before it hits your account. No AI guesswork. No black boxes. Just your numbers and a clear view forward.
Get Early AccessSefizo (SEH-fih-zo) — shortened from the Greek psephizo (ψηφίζω), "to calculate with pebbles"
Sound Familiar?
Will I make it to payday?
You know the math should work, but unexpected charges keep throwing you off. Sefizo shows your cash flow day by day — so you see trouble coming before it hits.
Which debt should I pay off first?
Snowball, avalanche, hybrid — the advice is everywhere and it all conflicts. Sefizo runs the numbers on your specific debts and shows you the fastest path forward.
How do I plan when my income changes every month?
Freelancers, contractors, gig workers — you can't use a cookie-cutter budget. Sefizo adapts to your actual income patterns and forecasts what's ahead.
How Sefizo Works
Add your income and bills
Enter your recurring income, upcoming bills, and one-time expenses. Sefizo builds a timeline of every dollar in and out.
See your daily forecast
Watch your projected balance day by day — not just monthly totals. Know exactly when money gets tight and when you have room to breathe.
Make confident decisions
Pay down debt strategically, time big purchases wisely, and stop living in financial uncertainty. Your money, your plan, your control.
See Every Dollar, Every Day
Daily forecasting tools built from years of real-world financial planning
Daily Cash Flow Forecast
See your projected balance for every day ahead — not just end-of-month. Know exactly when money gets tight and when you have room.
Debt Payoff Planner
Compare snowball, avalanche, and hybrid strategies on your actual debts. See exactly how extra payments change your payoff date.
Built for Irregular Income
Freelance, contract, or variable pay — Sefizo adapts. Enter income as it comes and watch your forecast adjust in real time.
You Do the Thinking, Sefizo Does the Math
No AI making decisions for you. No algorithms guessing what you should do with your money. You enter your numbers, you see the forecast, you make the call. Sefizo is a tool that makes you smarter — not one that thinks for you.
Your Data Stays Yours
No bank connections. No AI training on your finances. No third-party data access. While other tools feed your transactions into black-box algorithms, Sefizo keeps it simple — your numbers, your screen, your control.
Find Your Debt Payoff Strategy
Three proven approaches — Sefizo helps you find the one that fits your life
Snowball
Pay off smallest balances first. Build momentum with quick wins that keep you motivated.
Best for: Staying motivated
Avalanche
Pay off highest interest rates first. Mathematically optimal — saves the most money over time.
Best for: Saving the most money
Hybrid
Pay down credit cards first to lower your credit utilization below a target threshold — improving your credit score fast. Then switch to snowball or avalanche for remaining debt.
Best for: Credit score improvement + debt payoff
Every situation is different. Sefizo runs the numbers on your specific debts — showing you exactly how each strategy plays out with your real balances, rates, and budget.
Simple Pricing
Free
$0/month
- Up to 3 accounts
- Up to 3 debts
- Up to 5 recurring transactions
- Daily cash flow forecast
Pro
Coming soon
- Unlimited accounts
- Unlimited debts
- Unlimited recurring transactions
- Daily cash flow forecast
- Priority access to new features
Pricing finalized at launch. Waitlist members get early access.
Frequently Asked Questions
What is Sefizo?
Sefizo is a daily cash flow forecasting and debt payoff planning tool. Unlike backward-looking budgeting apps, Sefizo shows you where your money will be tomorrow, next week, and beyond — day by day, dollar by dollar.
How do you pronounce Sefizo?
SEH-fih-zo. It’s shortened from the Greek word ‘psephizo’ (ψηφίζω), meaning to calculate with pebbles — ancient wisdom for modern money management.
Is my financial data safe?
Absolutely. Sefizo never connects to your bank accounts. You enter your own numbers, and your data stays on your device and in your secure account. We don’t sell data, we don’t share data, and we use privacy-friendly analytics with no tracking cookies. Unlike AI-powered finance tools, we never feed your financial information into algorithms or language models.
Why doesn’t Sefizo use AI or connect to my bank?
By design. When you enter your own numbers, you actually learn your financial patterns instead of passively watching an algorithm manage them. And without bank connections, no third party ever touches your financial data. Sefizo gives you the tools to understand your money — not a black box that understands it for you.
How is Sefizo different from YNAB or Mint?
Most budgeting tools look backward at what you already spent. Sefizo looks forward — forecasting your daily cash position so you can make decisions before problems happen. It’s also built specifically for people with irregular income and active debt payoff goals.
Is there really a free plan?
Yes. The free plan includes daily cash flow forecasting and a single debt payoff plan. No credit card required, no time limit. The Pro plan adds extended features for power users.
When does Sefizo launch?
We’re in the final stages of development — refined through nine iterations over several years. Join the waitlist to get early access and be the first to know when we launch.
Know Where Your Money Will Be Tomorrow
Join the waitlist for early access when we launch.
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