Zero Budget: Money Planner

Most money apps tell you what you already spent. Zero asks a better question: what is this money actually for?

Zero Budget is a zero-based budgeting app for your household, whether that is you, you and a partner, or a whole family. At the start of the month you give every dollar a job: rent, groceries, the insurance bill that lands in March. When all of it has a place, you are at zero, and there is nothing left to wonder about.

ZERO-BASED BUDGETING
• Plan the month before it starts, down to the last dollar
• Move money between lines when real life wins a round
• A weekly check-in that takes minutes, not an evening

ADD A PURCHASE IN SECONDS
• Tap the plus and say it: "42 at Costco into groceries"
• Or snap the receipt and Zero reads the total, the store and the date
• Both happen on your phone: your voice is never sent anywhere and the photo is never uploaded

SINKING FUNDS
• Car repairs, insurance, the holidays, a laptop that will eventually die
• Put a little aside each month; the balance carries forward instead of resetting on the first
• The big bills stop ambushing you

DEBT PAYOFF
• Enter the balance, the rate and the minimum payment
• See a payoff date that moves as you pay it down

BANK SYNC
• Connect a bank in the United States or Canada and let transactions arrive on their own
• Or enter them yourself
• Rules learn the merchants you see every week and file them for you

HOUSEHOLD SHARING
• Budget on your own, or share one budget with your partner or household
• Everyone sees the same numbers at the same time
• One price per household, never a charge per partner

REPORTS AND NET WORTH
• What came in, what went out, where it went
• A six month trend so you can tell whether things are getting better
• Net worth brings your accounts, assets and debts into one number

PRICING
• Free: plan a month and enter transactions by hand, no card, no time limit
• Zero Premium adds voice and receipt capture, automatic bank sync, rules that categorize for you, reports, net worth, paycheck planning, CSV import and export, and the shared household budget
• Premium is US$10 a month or US$96 a year (CA$14 a month or CA$129 a year in Canada), shown in your local currency before you buy
• One subscription covers the whole household
• New subscribers can start a 14-day free trial of everything, bank sync included. A card is on file and the trial renews unless cancelled; cancel and the free plan keeps working with no time limit

Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. You can manage subscriptions and turn off auto-renew in your Apple Account settings.

Privacy Policy: https://zerobudget.ca/privacy
Terms of Use: https://zerobudget.ca/terms