A ZayGuide money tool
Cards that close on different days, rent, PLN, and the lines on a statement you do not recognise. Sign in for an empty ledger. Not a bank. The list on the right is an example, not stored data.
This week
Leftover Rp 18jt
PLN
Utilities · 2 days late
Rp 850k
BCA Visa
Due in 3 days · pay the min first
Rp 4.25jt
Villa rent
Housing · due on the 18th
Rp 8jt
HSBC Live+
Miles card · due on the 25th
Rp 1.1jt
If PLN stays unpaid
+ Rp 50k late fee
Japan trip
Put it on HSBC miles
All of this is behind Sign in. Nothing on this page is a second product.
Cards
Each card keeps its own close day and due day.
Bills
Rent, PLN, phone, subscriptions, BPJS.
Statement check
Paste lines. Verify, flag, or dispute.
Late fees
What a miss adds, before it kicks in.
Pay this
Holiday, car, or one big bill — best card, or a loan.
Loans
Total cost, hidden fees, a term you can afford.
Goals
Leftover split into pots, not guilt.
Countries
More than one country on the same ledger. FX sits next door.
Google, X, or email. Cards, bills, and goals sit on your account only. Export JSON anytime. Add it to the home screen so it sits next to FX.