# Budget Planner App - Zero — Budget & Spending Tracker

> AI-powered budget and spending tracker with voice input and financial organization. (iPhone/iPad app by Dishith Dhanani.)

- Source: https://appshunter.io/ios/app/budget-planner-app-zero/id6749040657 (this page in markdown: same URL + `.md`)
- Developer: [Dishith Dhanani](https://appshunter.io/developer/1828598857)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 3.90/5 from 179 App Store ratings · 24 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 58 MB
- Languages: French (France), German (Germany), American English, Arabic, Catalan, Chinese (Simplified, China), Korean, Croatian, Danish, European Spanish and 22 more
- Released: 2025-08-11
- Data updated: 2026-09-02
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/budget-planner-app-zero/id6749040657/reviews.md

## What is Budget Planner App?

Meet Zero, The cutest budget app for your everyday life. Simply add expenses by typing or using your voice, and let our AI magic organize everything for you. Create simple budgets, keep your savings and debt organized, and enjoy the feeling of your money growing - one tiny, happy step at a time!

Key features:
- Minimal, clean, and intuitive design
- Add expenses and income in seconds
- Voice input with smart AI categorization
- Monthly budgets, savings goals & debt
- Multi-currency support for global use
- Insights & charts to understand spending habits
- Transaction history with search & filter
- Recurring transactions (bills, salary, subscriptions)
- Multiple accounts, categories & tags
- Connect Apple Wallet Automations
- Export data as CSV/Excel
- iCloud sync
- No sign in required

ZeroApp is ideal for:
- Students managing daily pocket money
- Families planning a shared household budget
- Freelancers handling variable income & expenses
- Travelers using multiple currencies
- Anyone who wants stress-free personal finance management

Take control of your finances with ZeroApp - simple, private, and AI-powered.

Read more about our Terms & Conditions and Privacy Policy here:
https://zeroapp.org/privacy
https://zeroapp.org/terms

We are always there for you!
- If you have any questions or face any issues, feel free to email us at support@zeroapp.org. Hope you enjoy using our app as much as we do! :)

## Key features

- AI-powered expense categorization
- Voice input for transactions
- Monthly budget creation
- Savings and debt tracking
- Multi-currency support
- Spending insights and charts
- Recurring transaction management

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Weekly Subscription | $3.99 | per 7 days |
| Monthly Subscription | $3.99 | per month |
| Annual Subscription | $47.99 | per year |
| Monthly Subscription | $7.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Zero Lifetime | $29.99 | one-time |
| Lifetime | $29.99 | one-time |


## Recent user reviews (10 of 24)

All indexed reviews: https://appshunter.io/ios/app/budget-planner-app-zero/id6749040657/reviews.md

### 4/5 — Great app

*2026-02-28*

This app is wonderful and does a lot of the work for me that I dread when it comes to budgeting on paper. One thing  I have struggled with is finding where to adjust my spending limits since the app has updated. I could do it before just fine before the update, but I have yet to find the solution.

**Developer response:** Thank you so much for your kind words - we’re glad the app is helping make budgeting easier for you! In Version 2.0.4, spending limit settings were moved as part of our updated layout. You can adjust them by going to Budget → Select Category → Edit Limit. If you need any help, please contact us at support@zeroapp.org and we’ll be happy to assist.

### 3/5 — Not user friendly

*2026-01-05*

They tried so hard to remove the buttons and to have a clean layout that is hard to understand. I’ve been using for a month, even paid the premium version and still don’t know how to see how far I’m from reaching category budget limit.

**Developer response:** Thank you for your feedback and for supporting the premium version. We’re actively working on making budget tracking more intuitive, including clearer views for category limits. Our team is also developing in-app tutorials to help manage budgets more easily. These improvements will be part of future updates, and we welcome your ideas at support@zeroapp.org

### 3/5 — Lots of improvements needed

*2025-12-28, version 1.9*

I wish there was a way to see a list of all transactions sorted by date without having to export file so you can see what was the last input you made to avoid duplicate transactions. Also, need to be able to view transactions for past months and have options to select a time bracket for exports. For example, export from January 1,2025 to June 30, 2025.

### 4/5 — Really good

*2025-12-20, version 1.8*

Really useful and helpful to keep my budget in check. Thank you for this app!!

### 1/5 — Spend

*2025-12-19*

Help

**Developer response:** thanks for reaching out. We’re here to help! Please contact us via the in-app Support section or email support@mintai.money and we’ll assist you right away.

### 1/5 — No refund option, looks like fake app

*2025-12-16*

This is made as old mint app with no refund or cancellation option. 

Beware of this fake app

**Developer response:** We appreciate your feedback and understand your frustration regarding refunds and the perception of the app.

MintAi is designed as a voice-based AI budget planner focused on manual and voice entry, AI categorization, budget tracking, splitting transactions, and reviewing spending summaries, while keeping financial data private. Bank account linking is not supported by design.

Refunds are handled through Apple’s system, and for any guidance or help with features, please contact support@mintai.money Your input helps us improve both the app experience and how we communicate features to users.

### 1/5 — Fake mint app

*2025-12-13*

I thought this was the old mint app where I could upload my bank details. It made sense to have a 30$ charge for that but it’s literally just a manual input app. It’s the same as any ai and doesn’t offer any budgeting applications that couldn’t be done for free. I want a refund but they won’t give it to me

**Developer response:** We appreciate your feedback and understand your concerns regarding account linking. We’re sorry that the app did not meet your expectations in this regard.

MintAi is designed as a voice-first AI budget planner focused on privacy and control. Users can add expenses and income manually or by voice, split transactions, use AI for categorization, plan budgets, and review spending summaries to gain insights into their finances. All data is private and secure.

The app is now free and requires iOS 17 or later. For guidance, questions, or help with refunds, please reach out to support@mintai.money. Your feedback helps us improve both features and communication for all users.

### 1/5 — SCAM

*2025-12-13*

Doesn’t link to account, minimal options, do not use

**Developer response:** Thank you for sharing your feedback. We understand your concern regarding account linking.

MintAi does not support bank account connections by design. The app is built as a privacy-focused, voice-based AI budget planner, allowing users to add expenses through manual or voice entry, use AI categorization, manage budgets, split transactions, and view monthly summaries. We recognize this approach may not suit everyone, and your feedback helps us improve clarity around what the app offers.

For further assistance, please reach out to support@mintai.money

### 1/5 — This is a scam.

*2025-12-11*

This app is worthless. It’s a total scam. I want my $30 back.

**Developer response:** We appreciate you sharing your concerns. We understand your disappointment and regret that the app did not meet your expectations. Your refund request has been submitted for processing.

### 1/5 — I just bought the lifetime version, and I immediately hate it!

*2025-12-11*

No clear directions. Is there a way to split a single transaction into multiple categories?

**Developer response:** We appreciate you sharing your experience and understand how disappointing it can be when an app feels unclear at first.

To answer your question, transactions can be split across multiple categories in MintAi. The app focuses on voice and manual entry, AI categorization, and budget planning rather than bank connections. We recognize the need for clearer directions and are actively improving onboarding to make features easier to discover.

Our support team is always happy to help. please reach out to support@mintai.money for assistance.

## Frequently asked questions about Budget Planner App

### What does the Budget Planner App - Zero do?

This app helps you manage your personal finances by tracking expenses and income. It uses AI to categorize transactions, allows for voice input, and helps you create budgets, manage savings, and track debt. You can also view insights into your spending habits through charts and transaction history.

### What are the key features of this budgeting app?

Key features include AI-powered voice input for adding expenses, creating monthly budgets, organizing savings and debt, multi-currency support, spending insights with charts, transaction history with search and filtering, and management of recurring transactions. It also offers iCloud sync and no sign-in is required.

### Is this app free to use?

The app is free to download and use, with in-app purchases available. This means you can access core budgeting and tracking features without initial cost, with optional enhancements or premium features available for purchase.

### Who is the target audience for this app?

This app is designed for anyone who wants stress-free personal finance management. It's particularly useful for students managing pocket money, families planning household budgets, freelancers handling variable income, and travelers using multiple currencies.

### How does the AI categorization work?

The app's AI automatically categorizes your expenses and income as you add them, often through voice input. This smart categorization helps to quickly organize your financial data without manual sorting, making it easier to understand where your money is going.

## Version history (last 5 releases)

### 2.0.7 — 2026-04-23

• Fixed bugs and improved overall reliability
• Faster and smoother transaction entry
• Automatic Apple Pay tracking with Shortcuts
• Redesigned Accounts with cleaner insights and graphs
• Review pending Apple Pay entries in Settings
• Search page shows income and expense summaries
• Faster and simpler account selection
• Fixed duplicate budget names
• Transfers amount with automatic currency conversion
• Easier and faster onboarding experience
• Fixed multiple notifications appearing together
• Fixed widget refresh amount issues
• View category spending graphs inside accounts

### 2.0.6 — 2026-04-14

• Fixed bugs and improved overall stability
• Advanced Budget Insights with new graphs to better understand your spending
• Budget Warnings to alert you when you’re close to your limits
• Improved Account Clarity to see exactly where your money goes across categories
• Apple Pay Shortcut for quicker access to payments
• Automatic Wallet Tracking to track Apple Wallet transactions automatically
• AI Refinements for smarter and more accurate insights
• Optimized for iOS 26 with a smoother and faster experience on latest devices
• Transfer Between Accounts to easily move money across your accounts
• Lifetime Plan Introduced based on user demand.

### 2.0.5 — 2026-03-04

- ⁠Bug fixes and better performance

### 2.0.4 — 2026-02-14

- New Tab Bar with quick Voice & Manual entry
- New Glass design on iOS 26+
- ⁠Improved recurring monthly & yearly entries
- ⁠Bug fixes and better performance

### 2.0.3 — 2026-02-10

- Merge categories to keep expenses clean and organized
- Fixed a bug that created accounts automatically during onboarding
- Refreshed Zero app logo with a modern look
- Removed unwanted auto-created transactions
- Faster, smoother, and more intuitive onboarding
- Improved stability with Firebase crash analytics
- Bug fixes and performance improvements

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## More apps by Dishith Dhanani

- [Video Editor: Reels & Shorts](https://appshunter.io/ios/app/video-editor-reels-and-shorts/id6787857517)
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All apps by Dishith Dhanani: https://appshunter.io/developer/1828598857

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*