ZEROS: Your Money App

Every paycheck gets a job. Every dollar has a place. Welcome to ZEROS.

ZEROS is the money app built around how you actually get paid. Weekly, bi-weekly, semi-monthly, or monthly, ZEROS plans your bills one paycheck at a time and keeps an accurate ledger of every dollar, so you never have to guess what you can afford.

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ZEROS ACCOUNT LEDGER WITH ENVELOPES
Know where your money is at ALL times.

Your online bank balance doesn't show pending payments, scheduled bills, or money you've already set aside for something else. ZEROS does.

• Keep a running balance for each of your accounts
• Split any account into envelopes like Gas/Groceries, Christmas, or Vacation, so money is earmarked before you spend it
• See your total across all accounts at a glance
• Stop relying on a bank balance that's only telling you half the story

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ZEROS BILL PAY PLAN
Enter your monthly expenses once. ZEROS orchestrates the rest.

Add your bills, savings set-asides, and everyday spending, and ZEROS automatically builds your bill pay schedule. Each bill is assigned to the right paycheck based on its due date and the money that paycheck will have.

• Three expense types: Bills (with due dates), Set-Asides (savings goals and envelopes), and Per-Paycheck expenses (gas, groceries, fun money)
• See exactly what each paycheck covers and how much is left over
• Tap "Why is this here?" on any bill to see why it landed on that paycheck
• Paycheck overcommitted? ZEROS recommends fixes and moves bills for you with one tap
• Easily move, adjust, or pause any expense to fine-tune your plan
• Weekly or bi-weekly pay? ZEROS spots your Extra Paychecks each year (4 for weekly, 2 for bi-weekly) and helps you put them to work

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PAID BILLS POST TO YOUR LEDGER AUTOMATICALLY
Update your balances in seconds.

When you mark bills and expenses paid, ZEROS records each one in your account ledger and updates the right balances instantly. No double entry, no math, no spreadsheets.

• Each payment posts as its own transaction, with the payee, amount, and category included
• Mark ALL auto-drafts "Paid" with a single tap
• Enter your actual paycheck amount on payday, and your plan updates to match

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EVEN MORE TO LOVE

• Automatic receipt scanning: snap a photo and ZEROS fills in the transaction for you
• Ask ZEROS: a built-in help chat that answers questions about your plan in plain English
• Multiple earners: plan paychecks for everyone in your household, each labeled by name
• Customizable categories to organize spending your way
• "Where It Goes": a visual breakdown of your monthly expenses by category
• Auto-draft tracking: autopay bills are clearly flagged so nothing slips through
• Pay Online links: jump straight to a biller's payment page
• Guided setup with tap-to-learn info buttons that explain every step

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TRY ZEROS FREE FOR 1 MONTH

Set it up once, and payday finally makes sense. Download ZEROS and give every dollar a job.

ZEROS Premium is required to use the app and is offered as an auto-renewing subscription, monthly or yearly. Eligible new subscribers get a 1-month free trial; after the trial, the subscription price is charged to your Apple Account and renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in Settings > Apple Account > Subscriptions.

Terms of Use: https://zerosmoney.com/terms
Privacy Policy: https://zerosmoney.com/privacy