Questions, answered plainly.

Jaybé is a personal finance app that turns your accounts, bills and spending into one number you can trust each morning: what's safe to spend until payday. You log what you spend by saying it, typing it, snapping a receipt or importing a bank statement, and Jaybé keeps your bills, budgets, savings and reports in one calm place.

Jaybé starts from the money you have in your cash, bank and wallet accounts, sets aside the bills due before your next payday and what you've planned for savings, and spreads what's left over the days until payday. That gives you a daily amount and a total you can spend without coming up short.

It's only as accurate as what you give it, so keep your balances and bills up to date.

Jaybé is built first for the UAE and works across the region, including Saudi Arabia, Qatar, Kuwait, Bahrain, Oman, Lebanon, Egypt, Jordan and Iraq. You can keep accounts and entries in different currencies; each entry stores the exchange rate from the day it happened.

The app is in English for now. Arabic is on the way.

Jaybé is made for iPhone and Android. Your data lives in your Jaybé account, not on one phone, so you can sign in on a new phone and pick up where you left off.

About two minutes. Sign in with your email, Apple or Google, set your payday, add your main account and say the last thing you bought. Your first safe-to-spend number appears straight away.

No. Jaybé never asks for your online banking login and never connects to your bank. Instead you add entries by voice, text or receipt photo, or import a statement (CSV or PDF) that you download from your bank's app or website. You stay in control of exactly what goes in.

Hold the + button and say what you spent, the way you'd say it to a friend: “Coffee 18 dirhams” or “Careem to the office 32”. Your phone turns your voice into text on the device; no recording is ever sent to us. Jaybé then reads the amount, place and category and shows you the entry to check before saving.

Yes. Snap a receipt or pick a photo and Jaybé fills in the amount, shop and date. Before the photo is stored we remove its hidden details, such as location, and the photo stays attached to the entry so you can find it later.

Download a statement from your bank as a CSV or PDF, then choose Import on the account it belongs to. Jaybé reads the rows, suggests a category for each, flags anything that looks like a duplicate and lets you review everything before it's added.

• Password-protected PDFs work: you type the password once and it's never saved.
• Files can be up to 10 MB; long PDFs are best imported a few months at a time.
• The statement file is deleted 7 days after you confirm the import.

Add rent, DEWA, school fees or subscriptions once and Jaybé puts them on a timeline, counts them out of your safe-to-spend before they're due, and reminds you ahead of time. It also spots payments that repeat in your entries and offers to turn them into bills. Mark a bill paid with one tap.

Give a category like dining or shopping a monthly or yearly limit. Jaybé shows what's left at a glance and warns you mid-month if you're on pace to go over, not after. Spending outside your budgets stays visible so nothing hides.

No. Jaybé never moves real money. Savings buckets (a trip, a car, an emergency fund) track money you set aside. With auto-save, Jaybé records the amount in your bucket every payday and reminds you to move it in your banking app, so it's out of your safe-to-spend before you can spend it.

Each month Jaybé writes up where your money went, what changed from last month and what went well, with your biggest categories and habits. Pro adds longer periods and lets you export the report as a PDF or CSV.

Yes. You can open the app and log entries without a connection; Jaybé shows your last update and sends what you saved, in order, as soon as you're back online.

No. Suggestions, the Grow money coach and Ask Jaybé give general information to help you plan. They don't take your full circumstances into account and never recommend specific investments. For personal advice, speak to a licensed adviser.

We built Jaybé so your money stays your business:

• Everything travels encrypted between the app and our servers.
• Your notes and the words you say or type are stored encrypted with AES-256, using a key unique to you.
• Every record is locked to your account by database rules, so no other account can read it.
• Receipts and statements sit in private storage; a receipt opens through a link that expires after 60 seconds.
• We never ask for your banking password, card number or PIN, so there's nothing there to leak.

Yes. Turn on App lock in Profile and Jaybé asks for Face ID, your fingerprint or a passcode every time it opens.

Yes. Tap the eye at the top of Home to blur every amount. Tap it again to show them.

No. We don't sell your data, share it for advertising, show ads, or use advertising trackers. We share data only with the providers that run Jaybé for us, such as our database and hosting providers, under contracts that limit what they can do with it. The full list is in our Privacy Policy.

Yes, to read what you say, type, snap or import and fill in entries for you. That content is processed by our AI provider, Anthropic, through its business service. It is not used to train AI models and Anthropic deletes it within 30 days. Nothing is saved to your account until you confirm it. Monthly reports are written from templates, not by AI.

Only a small number of people can reach our production systems, and only to run and support the service, for example to fix a problem you've reported. Your notes and spoken or typed words are encrypted, and we never look through your finances out of curiosity or for marketing.

Your data isn't lost: it lives in your Jaybé account. Sign in on your new phone and everything is there. Your sign-in on the lost phone is protected by its own lock and, if you turned it on, by Jaybé's app lock. If you're worried someone else has access, email [email protected] and we'll help.

No. jaybe.cloud sets no cookies and runs no analytics or ad trackers. The app previews on the home page are demos with made-up numbers; nothing you type into them leaves your browser.

Your sign-in email, your settings (country, currency, payday, time zone), and the money records you add: accounts, entries, bills, budgets, savings, receipt photos and imported statements. Jaybé doesn't access your contacts or location, doesn't record audio and doesn't use an advertising ID. Details are in the Privacy Policy.

On secure servers run by our providers, which may be in the European Union or the United States. Jaybé is made by The Grower Inc, a US company, and we protect your data to the same standard wherever it's processed, using the safeguards the law requires for international transfers.

Yes. With Pro you can export your reports as PDF or CSV from Reports. For a full copy of everything we hold about you, email [email protected] from the address you sign in with and we'll send it within 30 days, free of charge.

They move out of sight straight away and can be restored for 30 days, in case you deleted something by mistake. After 30 days they're permanently deleted, with their receipt photos.

The statement file is deleted 7 days after you confirm or undo the import, and immediately if you cancel it or it fails. The entries you chose to keep stay until you delete them. An unlocked copy of a password-protected PDF exists only while it's being read.

The copy of your data kept on the phone for offline use is removed. Your data stays safe in your account for when you sign back in.

Depending on where you live, including under the UAE's data protection law and the GDPR, you can ask to see, correct, export or delete your data, and to object to some uses of it. Email [email protected], or delete your account yourself at jaybe.cloud/delete.

Free covers the everyday essentials: safe to spend, voice and photo entries each month, a few bills, budgets and a savings bucket, reports for the month, app lock and hide amounts.

Pro removes the limits and adds more:

• Unlimited voice and photo entries
• Unlimited bills, budgets, savings buckets and custom categories
• PDF statement imports and unlimited CSV imports
• Full reports across months, with PDF and CSV export
• Auto-save every payday and the Grow money coach

The current limits of each plan are shown in the app.

In the UAE, Pro is AED 18.99 a month or AED 149.99 a year (about AED 12.50 a month). Prices in other countries are set in your local currency by the App Store or Google Play and shown before you buy.

Yes. Pro starts with a 3-day free trial. We remind you a day before it ends. If you cancel before it ends, you're not charged.

Subscriptions are managed by the store you bought through. In Jaybé, go to Profile, then Subscription, and we'll take you there. Or:

• iPhone: Settings, then your name, then Subscriptions, then Jaybé, then Cancel Subscription.
• Android: Google Play, then your profile picture, then Payments & subscriptions, then Subscriptions, then Jaybé, then Cancel.

Cancel at least 24 hours before the renewal date. You keep Pro until the end of the period you've paid for.

Because payments go through Apple or Google, refunds are handled by them under their policies; we can't issue a refund for a store purchase ourselves.

• App Store: request one at reportaproblem.apple.com, signed in with your Apple ID, and choose “Request a refund”.
• Google Play: open your Google Play order history at play.google.com, find Jaybé and choose “Request a refund”, or see Google's refund policy for your country.

If something went wrong on our side, write to [email protected] and we'll help you with the request. None of this limits refund rights you have under your local law.

Nothing is deleted. Everything you created stays; the Free plan's limits simply apply again, so you may not be able to add more of something until you're under the limit or upgrade again.

No. Pro belongs to your Jaybé account, not your phone. Sign in with the same account and, if Pro doesn't show straight away, tap Restore on the Pro screen.

No. Deleting the app or your Jaybé account doesn't stop the store from renewing your subscription. Cancel it in the App Store or Google Play first (see “How do I cancel Pro?”).

There's no password to remember or leak. Sign in with Apple, Google, or your email: we send a 6-digit code that you type into the app.

Check your spam or promotions folder and make sure the email address is spelled correctly. You can ask for a new code after a minute. If you signed up with Apple and chose to hide your email, sign in with Apple instead. Still stuck? Write to [email protected].

Go to jaybe.cloud/delete, confirm it's you with a code we email you, and request deletion. You have 30 days to change your mind (just come back to the same page and cancel). After that we permanently delete your account and everything in it: entries, accounts, bills, budgets, savings, receipts and statements.

Remember to cancel any Pro subscription in your app store too.

Open the entry and change the category. Jaybé offers to remember the choice for that shop, so next time it's right automatically, and you can apply the change to past entries from the same place.

Because Jaybé doesn't connect to your bank, a balance can drift if an entry was missed or added twice. Open the account and set its balance to what your bank shows; Jaybé takes it from there. Importing a recent statement is a quick way to catch anything missing.

Jaybé is made by The Grower Inc, a company based in the United States. Our Terms and Privacy Policy explain the agreement between us and how we handle your data.

Email [email protected] for help with the app, billing or your account, and [email protected] for anything about your data.