Budget Zero: Envelope Planner

Budget Zero: Envelope Planner

Private Money Manager

6 ratings
4 reviews
Free
In-App Purchases

Details

Released
July 11, 2024
Updated
November 4, 2026

Features

Budget Zero: Envelope Planner screenshot #1 for iPhone
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Budget Zero: Envelope Planner screenshot #8 for iPhone
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About

This app helps you manage your money privately using a zero-based envelope budgeting system. It allows manual transaction logging without linking bank accounts, offering a distraction-free interface and offline functionality.

✓Zero-based envelope budgeting
✓Private, no bank linking
✓Manual transaction logging
✓Offline functionality
✓Budget rollover
✓iCloud sync
✓Dark mode support
Show original description
+1

What's New in Budget Zero

1.9.4

November 4, 2026

Budget Zero 1.9.4 reminds you before bills are due. • Bill reminders: give a budget a due day and you'll get a heads-up 2 days before, with how much is still to set aside. Bills due on the same day come as one reminder. • A new month reminder on the 1st, so you can plan the month ahead. • Turn each one on or off in settings → reminders, next to the daily reminder. Thanks for budgeting with Budget Zero!

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Subscriptions & In-App Purchases

Monthly Subscription

Monthly subscription for Budget Zero

$3.991 Month
1 Month trial
Price Updates
November 5, 2026→$3.99
April 20, 2026→$2.99
July 17, 2024→$0.99
How to cancel Budget Zero subscription ⁉️

User reviews

Perfect for me

Really loving the simplicity and look of the app. Makes getting my regular budgeting done pretty easy.

Response from developer

Thanks so much for the review! Glad you are enjoying the app!

helpful

simple budgeting app. not complicated and just lets me manually handle things

Response from developer

Thank you for the positive review!

paywall/subscription..

it has monthly or yearly subscription like any other budget app :(
I thought there would be a one time lifetime option at least! I will just use free apps instead or free version of other popular budget apps. every app now is turning to ai and never ending subscriptions. Disappointing.

Response from developer

Thank you for the feedback! As of version 1.5, Budget Zero Pro has a one-time Lifetime purchase: pay once and it’s yours for good, no subscription. Monthly and yearly plans are still there if you prefer them. Budget Zero also never links to your bank or sells your data. If you’d like to give it another try, update to 1.5 and pick Lifetime on the upgrade screen. I'd love to hear what you think. Thank you!

Super easy

My issue is always sticking with a budget. This one has kept me engaged and I really like the zero based budget approach. Works great for what I need!

Response from developer

Thank you for the positive feedback! I'm working hard to continue improving the app and please reach out for any support or questions.

Developer apps

FAQ

How does Budget Zero protect my privacy?

Budget Zero prioritizes your privacy by not linking to your bank accounts or tracking your data. All financial information is entered manually, ensuring your finances remain yours.

What is zero-based envelope budgeting in Budget Zero?

This system ensures every dollar has a job. You assign specific amounts to budget categories each month, aiming to reach zero by allocating all your income.

Can I use Budget Zero without an internet connection?

Yes, Budget Zero works offline. You can budget and log transactions without requiring an internet connection, making it convenient for use anywhere.

What are the subscription options for Budget Zero Pro?

Budget Zero Pro offers a monthly subscription at $3.99/month or a yearly subscription at $29.99/year, both starting with a 1-month free trial. There is also a one-time Lifetime purchase option.

How does Budget Zero handle unspent money?

Budget Zero features a rollover option. Any unspent money in a budget category can carry over to the next month or be moved to another budget category.

Can I import my data from other budgeting apps into Budget Zero?

Yes, Budget Zero allows you to import your budget from YNAB, including accounts, categories, transactions, and balances.

What devices is Budget Zero available on?

Budget Zero is available on iPhone and iPad, with iCloud syncing to keep your data consistent across devices.

Does Budget Zero have ads?

No, Budget Zero does not have advertisements. The app is designed with a clean, distraction-free interface.