Envelopes for every category
Groceries1 900 / 2 500 MAD
Transport640 / 800 MAD
Leisure830 / 700 MAD
Offline · synced · no bank connection
Budgeting app for MoroccoKnow what everydirham is for.
SmartJib keeps what your money is for separate from where it sits — bank, home and wallet. Log an expense in seconds, hold every budget, and see the whole month clearly across web, iPhone and Android.
The demo opens without an account, with sample data.
Ready in 2 minutes · No commitmentI already have an account
- Web appnothing to install
- iPhone & Androidinstallable PWA
- No ads, no trackers
- No bank credentials
- Locked behind Face ID
- Works offline
- Web · iPhone · Android
- Delete your account in the app
Everything you need to stay on budget
Category budgets, debts, goals and cash-flow — without the complexity that makes people quit in week two.
Cash-flow forecasts
Rent, subscriptions, salaries — anticipated
Recurring payments are projected over the coming months, so the gap shows up before it happens.
94 839 MAD+10.5 % · 1 200 MAD
JanFebMarAprMayJunJulAug · rent
0 ads
No ads and no trackers
Your data is not the product
Debts & loans
Who owes you what, repaid when
Car loan62 % repaid
Left 1 500 MAD · next payment on the 15th
Offline first, synced after
Log entries with no network: everything syncs the moment you are back online.
No spinner between you and the entry form.
On-device assistant
Ask the question — the answer is already there
How much did I spend on groceries this month?
1 900 MAD on groceries in July — 76 % of your budget, 600 MAD left.
Computed instantly on your device: your questions and your data never leave it.
Insights
Where the money goes, month after month
- Groceries42%
- Transport18%
- Leisure15%
- Other25%
One square per day: the darker it is, the more you spent.
Security
Locked behind Face ID
The app locks the moment it goes to the background and asks for Face ID, Touch ID or your fingerprint again. Your device passcode stays as a fallback.
SmartJib is locked
UnlockWidgets & reminders
Your balance on the home screen
A daily reminder at the hour you choose; on iPhone, Back Tap opens entry directly.
Multi-currency
MAD, EUR, USD, CAD
Pick your main currency; transfers between accounts and full history included.
What is SmartJib? The Free Budgeting App
SmartJib is a private budget tracker that separates what money is for—needs, wants, and savings—from where money is held—bank, home, or wallet. It supports 12 currencies and 4 budgeting strategies: 50/30/20, zero-based budgeting, envelope budgeting, and pay-yourself-first. SmartJib does not connect to your bank; you enter transactions manually. Account data is cached locally and synced to Firebase when you sign in.
Start budgetingThree steps.
Three steps.
A clearer month ahead.
Start with a free private budget tracker supporting MAD. See why purpose and location are separate and how multi-currency MAD tracking works.
Monthly income
SalaryMAD 12,000
Side incomeMAD 800
TotalMAD 12,800
Synced
Free, with room to growStart free.
Start free.
Upgrade when ready.
The core budget is free with no time limit. Try Pro once for 30 days without a card. Paid Pro and Ultimate subscriptions are planned, not available for purchase yet.
Free
Core budgeting
3
Default money places
Pro
Smarter insights
What you getFree to start
Track logged spending across bank, wallet and home
Choose from 4 budgeting styles
Create and fund saving goals
Export your data from Profile
Scan barcodes while shopping
Review six-month spending trends
Manage multiple income sources
Import expenses in bulk from CSV
Set category caps and rollover
Collaborate in a Household workspace
At a glanceFree budgeting made
Free budgeting made
simple with SmartJib.
Live|--:--:--
4
Budgeting styles to choose from
3
Default money places
12
Currencies supported
5
Guided onboarding steps
Worked examplesNumbers that move,
Numbers that move,
computed live.
Three real scenarios from the free tools — every figure calculated by the same engine, animated as you scroll.
final balance
The snowball
Save 1 400 MAD/month at 5 % for 20 years
577,844.83 MAD
336,000 MAD deposited — interest adds 241,844.83 MAD
Compound interestto savings every month
The split
8 000 MAD/month on the 50/30/20 rule
1,600 MAD
4,000 needs · 2,400 wants · 20 % rate
Budget calculatorcoast age — stop saving for retirement
The off-ramp
150 000 MAD invested, add 2 500 MAD/month
44
FIRE number 1,500,000 MAD — 31 % there today
Coast FIREIllustrative examples, gross of tax and inflation — not investment advice.
CurrenciesWherever your money
Wherever your money
lives, we speak it.
12 currencies, formatted for the selected locale. Change your display currency from Profile → Preferences.
Built for Morocco — track in MAD and dirham with our multi-currency budget tracker. Learn how bank, home and wallet balances stay separate and read budgeting guides for cash spending.
MAD
Moroccan Dirham
EUR
Euro
USD
US Dollar
GBP
British Pound
CAD
Canadian Dollar
CHF
Swiss Franc
AED
United Arab Emirates Dirham
SAR
Saudi Riyal
EGP
Egyptian Pound
TND
Tunisian Dinar
DZD
Algerian Dinar
XOF
West African CFA Franc
MAD
Moroccan Dirham
EUR
Euro
USD
US Dollar
GBP
British Pound
CAD
Canadian Dollar
CHF
Swiss Franc
AED
United Arab Emirates Dirham
SAR
Saudi Riyal
EGP
Egyptian Pound
TND
Tunisian Dinar
DZD
Algerian Dinar
XOF
West African CFA Franc
XOF
West African CFA Franc
DZD
Algerian Dinar
TND
Tunisian Dinar
EGP
Egyptian Pound
SAR
Saudi Riyal
AED
United Arab Emirates Dirham
CHF
Swiss Franc
CAD
Canadian Dollar
GBP
British Pound
USD
US Dollar
EUR
Euro
MAD
Moroccan Dirham
XOF
West African CFA Franc
DZD
Algerian Dinar
TND
Tunisian Dinar
EGP
Egyptian Pound
SAR
Saudi Riyal
AED
United Arab Emirates Dirham
CHF
Swiss Franc
CAD
Canadian Dollar
GBP
British Pound
USD
US Dollar
EUR
Euro
MAD
Moroccan Dirham
PrivacyYour money,
Your money,
your business.
Personal workspaces are isolated by Firestore Rules. Household data is shared only with active members by role, and export and deletion controls stay in Profile.
Rules-enforced accessNo bank sync requiredCSV and JSON exportRetryable account deletionNo advertising profiles
Private by default
Firestore Rules isolate personal workspaces and limit Household data to active members according to role.
No bank connections
We never ask for your card or account numbers. You stay in control of what you enter.
No advertising profiles
We do not use your financial data to build advertising profiles or sell it to third parties.
Export or delete anytime
Export CSV files or a complete JSON backup from Profile. Deletion reports any incomplete step so it can be retried.
PricingFree forever.
Free forever.
Pro at 29 MAD/month.
Start with Free, try Pro, and compare our paid subscriptions. Ultimate is fully built — unlock a free 30-day preview without a card, or subscribe to either tier and cancel any time.
Start free — try Pro once for 30 days, no card required. Paid subscriptions renew until you cancel — any time, right inside the app.
forever
Free
Everyday budgeting, with no time limit
forever
Free
forever
- Budget styles and custom categories
- Income, expenses, transfers, debts & savings
- Bank, home, wallet & custom money places
- 12 currencies · English, French & Arabic
- CSV export & complete JSON backup
- Account sync when signed in
- On-device financial guidance
- Installable PWA with an offline shell
Recommended
Pro
More insight and shared budgeting tools
Price
29MAD/ month
Billed monthly. Cancel any time in the app.
- Everything in Free
- Spending trends & safe-to-spend insights
- Shopping barcode scans & receipt OCR
- Multiple income sources & CSV import
- Category caps, rollover & 24-month history
- Bill reminders & device-local app lock
- Search, debt planner & monthly PDF reports
- Fair-use monthly limits on cloud AI & scans
Top tier
Ultimate
The full suite for a complete financial picture
Price
99MAD/ month
Billed monthly. Cancel any time in the app.
- Everything in Pro
- Household collaboration & Darat savings circles
- Advanced AI insights & budget forecasts
- Investment portfolio tracking
- Dedicated net worth dashboard
- Advanced Excel exports
- Priority support
Your budget stays private. Card details are entered on our payment provider’s secure page — SmartJib never sees or stores them. Cancel any time.
No card to start
The free plan and the Pro preview need no payment details at all.
Price locked for the founding cohort
The first 200 accounts keep the launch price when billing opens. The cohort size is published; there is no countdown clock.
Export before you decide
Download the whole workspace as CSV or JSON before paying for anything.
No silent renewal
Nothing renews automatically until you choose a paid plan and confirm it.
Founding members
Pro launches at 29 MAD/month. The first 200 accounts that subscribe keep that price for as long as they stay, and nothing is charged until billing opens. Until then, Pro is the same 30-day preview it is today — no card, no automatic renewal.
Budgeting GuidesLearn to budget better,
Learn to budget better,
with MAD in mind.
Short, practical guides from the SmartJib team. Built for Morocco's cash culture. MAD and dirham support, bank, home and wallet separation, and 4 budgeting methods including 50/30/20.
Budgeting Foundations4 min read
Why 'what it's for' and 'where it is' are two different questions
Most budgeting frustration comes from mixing up two things that should stay separate: what your money is meant to cover, and where it physically sits right now.
Learn why purpose and location must stay separateBudgeting Methods5 min read
Picking a budgeting style that actually fits you
50/30/20 isn't for everyone. Here's how to think about which split of needs, wants, and savings matches how you actually live.
Compare 4 budgeting methods for Moroccan salariesCash Tracking3 min read
The wallet leak: where small cash spending quietly adds up
Card spending is easy to track. Cash is where budgets usually spring a leak. A few habits that make wallet spending visible again.
Track wallet spending without mixing bank balanceSmartJib facts
Frequently asked questions
Learn more: Budget tracker MAD guide · 4 budgeting methods explained · Budgeting guides
Is SmartJib free?
SmartJib’s core budget is free with no time limit. Planned subscriptions are Pro at 29 MAD/month or 290 MAD/year and Ultimate at 99 MAD/month or 990 MAD/year. Eligible accounts can start one 30-day Pro trial and one 30-day Ultimate preview without a card; neither renews automatically. Billing is not currently enabled; every Ultimate feature is built and unlockable through the preview.
Are the paid plans unlimited?
No. To keep Pro at 29 MAD/month, cost-incurring tools get conservative monthly limits: 60 cloud AI answers, 100 barcode lookups and 50 receipt scans per month, plus 24 months of budget history. Ultimate raises those to 300 answers, 500 lookups and 250 scans, extends history to 60 months and adds households of up to 5 members. Everyday budgeting is never capped, and the final limits are confirmed before paid plans launch.
Does SmartJib connect to my bank?
No, SmartJib does not connect to your bank. You manually enter transactions for privacy and control.
What currencies does SmartJib support?
SmartJib supports 12 currencies: MAD, EUR, USD, GBP, CAD, CHF, AED, SAR, EGP, TND, DZD, and XOF.
Is my data private?
Yes. Account data is cached locally and synced to Firebase when you sign in. We do not use your financial data to build advertising profiles or sell it to third parties. See our Privacy Policy for details.
What budgeting methods does SmartJib support?
SmartJib supports 4 budgeting strategies: 50/30/20, zero-based budgeting, envelope budgeting, and pay-yourself-first.
Can I export my data?
Yes. From Profile you can export CSV files or a complete, restorable JSON backup.
How do I delete my account?
You can permanently delete your account and its associated budgeting data from Profile. SmartJib reports any incomplete deletion step so you can retry.
What budgeting methods does SmartJib support?
SmartJib supports 4 budgeting methods: 50/30/20 rule (50% needs, 30% wants, 20% savings), zero-based budgeting, envelope budgeting, and pay-yourself-first. Compare them in our budgeting methods hub.
How does SmartJib track cash and wallet spending in Morocco?
SmartJib separates what money is for from where it sits. Learn why purpose and location must stay separate and how bank, home and wallet tracking works. For cash, see wallet leak guide and expense tracking feature. Supports MAD and dirham.
Ready to know
where your money is?
Start with Free and try Pro once for 30 days, without a card. Compare planned Pro and Ultimate subscriptions — billing is not enabled yet.
No credit card required