Money you can finally make sense of.
SmartJib started from a simple frustration: budgeting apps that tell you what you spent, but never help you understand why your money still runs out.
Two questions, one app
Every budgeting question really comes down to two things: what is this money for, and where does it actually sit right now? Most apps mix the two together until neither makes sense. SmartJib keeps them separate, so you always know both — without spreadsheets, without guesswork.
Built for everyday life
We designed SmartJib for real budgets — the cash in your wallet, the money sitting at home, and whatever's left in the bank. No bank connections required, no complicated setup. Just add your income, pick a style that fits how you think about money, and start logging as you go.
Free to start, honest about the rest
At launch, SmartJib’s core tracking, budgeting styles and savings goals are free with no time limit. Eligible accounts can also try Pro once for 30 days without a card.
Your business stays yours
Budgeting means sharing personal details about your life. We take that seriously: personal workspaces stay private to their owner, Household workspaces are shared only with active members, your data is never sold, and you can export or delete it.
What we promise, in checkable terms
Privacy claims are cheap. Each of these four can be verified against the product rather than taken on trust.
No bank connection
SmartJib never asks for bank credentials or a PSD2 aggregator. You enter what you want tracked, and the app cannot pull a balance you did not type.
No trackers, no ad SDKs
There is no advertising, analytics or social pixel on the marketing site or in the app. The app fetches only what it needs to render the screen in front of you.
Offline-first
Budgets and expenses are stored locally first and sync when a connection exists. A metro ride through a tunnel does not lose an expense.
Your data is yours
Export your workspace as CSV or JSON at any time, and delete the account from the profile screen — no support ticket, no retention period to argue about.
A note from the founder
I built SmartJib after years of tracking a Moroccan salary across a bank app, a wallet and a drawer at home. The spreadsheet worked; the problem was that no app kept those three places separate, so every total was a guess dressed up as a number. SmartJib is the tool I wanted: it counts cash and bank separately, it forecasts the month you are actually having, and it does not need access to your bank to do either.
— Founder, SmartJib · Casablanca
Explore SmartJib
SmartJib is a free private budget tracker for Morocco supporting MAD and dirham. Learn why purpose and location are separate, compare 4 budgeting methods, and see why we don't ask for bank connections.
- → Six steps from sign-up to a working budget
- → Twelve starting plans you can import
- → Track bank, home, wallet separately
- → Budgeting guides & money tips
- → Help center
Principles last reviewed 2026-10-20