Features
The ideas Dibsly stands on, and every feature in short: with an example and where to find it in the app.
Dibsly's main rule: don't mix the money you live on every day with what you put aside or invest. The everyday balance shows how your money moves, while savings and investments sit apart: that's not money you need to keep poking at. Everything else grows from this rule.
Every account sits in one pocket. On hand: cards and cash for every day. Savings: what you put aside. Investments: broker accounts. The big number on Main and the month's income and spending count only On hand. So the ₴50,000 you put aside doesn't wink at you on a Friday night, and the month shows how you really live.
Where: Settings → Accounts → an account
Income and spending are money that came in from outside or went out. Salary, a gift, coffee, rent. A transfer between your own accounts or a currency exchange changes nothing: the money moved from one pocket to another, and Dibsly spots such transfers in statements by itself. A transfer to Savings isn't spending either: you didn't spend that money, you put it aside. Buying and selling shares live in Investments, where dividends count as income and the tax and the broker's fee as spending.
Tap the operations and watch the numbers
Some accounts you use but don't want in the total: a sole-trader account clients pay into, or a dollar account. Keep it in On hand and switch off “Count in balance”. Its balance leaves the big number, while money arriving on it is still the month's income. Moving it to your card or selling the currency won't count as income a second time: it's the same money.
Where: Settings → Accounts → an account → “Count in balance”
If your salary comes on a different day each time, a month from the 1st gets it wrong: part of the spending before payday lands in the wrong month. Choose “With the salary” and a month runs from one salary to the next. Salary late? The month just goes on until it comes. Main, History, Analytics and the plan all count the same way.
Where: Settings → Preferences → “Month starts on”
A plan starts with “Monthly funds”: the money you have for this month, what's on hand and the salary that came. From it you set aside the savings and investment plan and spread the rest as limits across categories. So you see how much you can still spend this month, not only how much has gone. Planning is switched on here: Settings → Features.
Where: Main → Plan
Dibsly catches Apple Pay purchases, bank notifications and receipts by itself but doesn't record them at once: they wait in Activity. The balance changes only after you tap Save. So nothing gets into your books behind your back, and an odd amount or the wrong category shows before it spoils the month.
Where: Main → Activity
Dibsly knows over 400 brands with their logos. Pick a category for a brand once and all its purchases go there. Buy different things from one brand, like Epicentr for the home one day and a gift the next? Just change the category on the operation: Dibsly remembers and next time offers both. And a category you don't want in your analytics can be hidden: it leaves the Analytics totals and nothing else.
Where: Settings → Brands
A goal takes nothing off your accounts: it shows which of your savings and investments work for it. On hand money takes no part: to get closer, you move money to the goal's account. Several goals fill in turn: a reserve such as a cushion first, then in your order. And Dibsly tells you the month you reach each one at your pace.
Where: Main → Goals
You put $1,000 into your broker account and the portfolio grew by $1,000, but you didn't earn a cent. So Dibsly shows growth apart from deposits: how much you put in and how much the money earned by itself, with dividends and the tax withheld. Capital in Analytics counts the same way.
Where: the Investments tab
You share one account, not your whole Dibsly: you both see it, who put in what and who spent what, and a notification comes when the other adds something. Your personal accounts stay yours alone. One Premium is enough for both of you.
Where: Profile → Sharing
The chat with Dibsly, your Claude or ChatGPT first show exactly what will change and write it only after Save or your yes. In the Dibsly chat a button under the card undoes the change. Operations, statements, trades, categories, accounts, the month's plan, calendar payments, goals and debts changed through Claude, ChatGPT or the website's chat are kept on the website in History → AI journal, where they can be undone.
Free
Cards from different banks, cash, savings and brokerage accounts in any currency. On top, “On hand”: what you can really spend now, without savings and investments.
Where: Main
Premium
An account for a couple or a family: who put in what, a notification when the other adds something, shared goals. One Premium is enough for both of you.
Free
The NBU rate next to “On hand” and a converter between currencies: what it is in hryvnias or dollars, at a glance.
Where: Main → On hand
Free
Deleted something by mistake? “Undo” in the message brings back operations, transfers, goals and payments.
Free
monobank directly with a read-only token. Statements from PrivatBank, UKRSIBBANK, KredoBank and monobank, their FOP statements too, as PDF, Excel or CSV. Dibsly reads the file on your phone, sorts operations into categories and spots transfers between your own accounts.
Where: Settings → Import & export
Free
A Shortcuts automation hands every Apple Pay purchase to Dibsly. It waits as a draft with the amount, the shop and the category: look and confirm with one tap.
Where: Main → Activity
Premium
On iOS 27 your banking app's notifications become drafts: the AI reads the amount, the shop and the account from them.
Free
“Coffee 85”, “taxi 180 mono”, “salary 40,000”: Dibsly works out the amount, the category and the account. With Premium the AI handles the tricky phrases.
Where: “+” → Say it
Free
Snap a receipt and Dibsly reads the items and sorts them into categories. Or split the bill: tick your part and send friends a link so each picks theirs. 10 receipts a month free, up to 300 with Premium.
Where: “+” → Receipt
Free
A statement from Revolut, Wise or any other bank is read by the AI in Dibsly: you see the operations and the transfers between your accounts and save them once checked. 3 statements in all for free, up to 25 a month with Premium.
Where: Settings → Import & export → Bank statement
Free
A Monefy CSV export comes over with its categories and accounts. Before saving, Dibsly shows exactly what it will add.
Where: Settings → Import & export
Free
“What did most of it go on?”, “How much did I spend on taxis this year?”, “How are my goals?”: Dibsly works it out on your phone from your data and answers in your own figures, with cards and charts. The chat opens from any page and knows where you ask from. 20 questions a month free, more with Premium.
Where: the Dibsly button above “+” on Main, the orange tab on the right on other pages
Free
“Add a coffee, 85”, “move my Uber rides to Taxi”, “rename the account”: Dibsly shows a card with the change and writes it only after you tap Save. Every change can be undone.
Free
Tap the paperclip and pick a statement or a broker report: Dibsly reads it on your phone, without the AI, and offers to import it into the right account.
Where: chat → paperclip
Free
Categories: where most of it goes and what is over plan. Cash flow: spending day by day with payday marked. Trends: the months side by side. Capital: savings and investments over the year, apart from deposits.
Where: the Analytics tab
Free
Over 400 brands with their logos: Dibsly recognises Silpo, OKKO, Uklon or Ryanair by itself. Pick a category for a brand and all its purchases go there.
Free
Limits per category and how much is left to spend this month. Dibsly highlights the categories over plan and those at risk.
Where: Main → Plan
Free
Rent, subscriptions, loans and salary on a calendar. Dibsly tells you how much each account needs before the day it is charged.
Where: Main → Calendar
Free
A car, a flat or a safety cushion. Savings and investments count toward the goal, and Dibsly tells you the month you reach it at your pace.
Where: Main → Goals
Free
Who owes you and whom you owe: loans, split bills and receipts, returned purchases, a due date in the calendar. Share sends a link, your friend accepts the debt in their Dibsly, and Remind sends them a push. A loan or a payback is neither spending nor income: it is a transfer between you and the person.
Where: Main → Debts, or “+” → Operation → Debt
Free
Loans, a mortgage, instalments and microloans: what is left, the next payment in the calendar with a reminder, the overpayment and what an early repayment saves. A credit card's limit stays apart from your own money: “On hand” shows only yours.
Where: Settings → Features → Credits, then Main → Credits
Free
Every income at the NBU rate of the day it arrived, the single tax, the military levy and ESV by quarter, what is due and by when, the deadlines in the calendar with reminders and the tax service's payment details to copy in one tap. And your client's payout: hours, rate and your own conditions.
Where: Settings → Features → FOP
Free
Interactive Brokers and Freedom Finance reports instead of typing. Value history over a month, a year or all time, dividends with the tax withheld, and growth apart from deposits so a deposit never looks like profit.
Where: the Investments tab
Premium
The same data on a big screen: history with search, analytics, the plan, the calendar, drafts and every brand with its logo, with search. Changes show up on your phone at once.
Premium
Connect Dibsly as a connector: ask about your money, import statements and set goals right in your assistant. Nothing is written until you say yes, and every change is in a journal where it can be undone.
Premium
Sign in with Apple, Google or e-mail and your data is the same on all your iPhones and on the website.
Where: Main → profile
Free
Encrypted backups in your iCloud Drive or Google Drive. A new iPhone or a reinstall: restore everything from a backup.
Where: Settings → Backup
Dibsly never asks for a password and cannot move money. A monobank token only reads the statement.
Before first use Dibsly shows what it sends to the AI and to whom. Without permission everything else works, and you can change your mind in Settings.
No ads and no ad trackers. Without an account all your data stays on your iPhone and in your own backups.
What we're building now and what comes later. No dates promised: we build until it's good. Tap “I want this” on what you need most, and we'll know where to start.
Connecting without a token copied by hand.
Interactive Brokers and Freedom without reports by hand.
A game: tell the brand by its logo.
Questions? Write to dibslysupport@gmail.com
Dibsly