# Budget Zero: Envelope Planner — Simple Private Money Tracker

> Private zero-based envelope budgeting app for manual money tracking. (iPhone/iPad app by Grey Park, LLC.)

- Source: https://appshunter.io/ios/app/budget-zero-envelope-planner/id6482576006 (this page in markdown: same URL + `.md`)
- Developer: [Grey Park, LLC](https://appshunter.io/developer/1739831354)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 5.00/5 from 4 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 12 MB
- Languages: English, French, Spanish
- Released: 2024-07-11
- Data updated: 2026-08-11
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/budget-zero-envelope-planner/id6482576006/reviews.md

## What is Budget Zero?

The budgeting app that respects your wallet AND your privacy.

Budget Zero uses zero-based envelope to budget down to zero - without linking your bank account or tracking your data. Join countless users who've taken control of their money the simple way.

WHY BUDGET ZERO?

• Affordable - A fraction of the cost of other budgeting apps.
• Private - No bank linking. No data selling. Your finances stay yours.
• Simple - Manual entry keeps you mindful of every transaction
• Powerful - Full envelope budgeting with monthly budget periods

HOW IT WORKS

1. Add your accounts (checking, savings, credit cards, cash)
2. Create budget categories and organize them into groups
3. Assign dollars to each category every month
4. Log transactions and watch your budget update in real time
5. Reach zero - every dollar has a job

FEATURES

• Zero-based envelope budgeting system
• Multiple account support (checking, savings, credit, cash)
• Monthly budget periods with easy month-to-month navigation
• Budget groups for organized category management
• Transaction tracking with payee, date, and category
• Credit card budget tracking
• iCloud-synced across your devices
• Works offline - no internet required to budget
• Clean, distraction-free interface
• Dark mode support

BUDGET ZERO PRO

Unlock additional features with an affordable one-time or low-cost subscription - a fraction of what competitors charge.

Take control of your money. Download Budget Zero today.

About Subscriptions:
• Subscription Name: Budget Zero Pro
• Subscription Length: 1 Month or 1 Year (Auto-renewable)
• Subscription Price: $3.99/month or $19.99/year
• Payment will be charged to your iTunes Account at confirmation of purchase.
• Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period.
• Your account will be charged for renewal within 24 hours prior to the end of the current period.
• You can manage or turn off auto-renew in your Apple ID Account Settings at any time after purchase.

Links:
• Privacy Policy: https://sites.google.com/view/budget-zero-privacy-policy
• Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Zero-based envelope budgeting
- Manual transaction logging
- No bank account linking
- Private and secure
- Offline functionality
- Monthly budget periods

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Subscription | $2.99 | per month |
| Yearly Subscription | $19.99 | per year |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/budget-zero-envelope-planner/id6482576006/reviews.md

### 5/5 — Super easy

*2026-03-13*

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!

## Frequently asked questions about Budget Zero

### What is Budget Zero's core budgeting method?

Budget Zero utilizes a zero-based envelope budgeting system. This method ensures every dollar of income is assigned a specific job or category, helping users budget down to zero and gain full control over their spending.

### Does Budget Zero link to my bank account?

No, Budget Zero is designed for privacy and does not link to any bank accounts. All transactions are logged manually, which helps users stay more mindful of their financial activities.

### How much does Budget Zero cost?

The app offers a free version with core budgeting features. An optional 'Budget Zero Pro' subscription unlocks additional features for $3.99/month or $19.99/year, with a 1-month free trial for both plans.

### Can I use Budget Zero offline?

Yes, Budget Zero works offline. You do not require an internet connection to log transactions, manage your budgets, or track your finances, making it convenient for use anywhere.

### What devices does Budget Zero support?

Budget Zero is available on iPhone and iPad. It also supports iCloud syncing, allowing you to access and manage your budget across multiple Apple devices seamlessly.

### How often is Budget Zero updated?

The app was last updated on April 23, 2026, with version 1.2.6. This indicates a recent update, suggesting ongoing development and support for the application.

### What are the subscription options for Budget Zero Pro?

Budget Zero Pro offers two auto-renewable subscription plans: a monthly plan at $3.99 and a yearly plan at $19.99. Both plans include a 1-month free trial, and subscriptions can be managed or canceled in Apple ID Account Settings.

### What is the user sentiment for Budget Zero?

Based on the available data, Budget Zero has a perfect 5.0-star rating from 4 user reviews. This high rating suggests a very positive user sentiment regarding its functionality and ease of use.

## Version history (last 5 releases)

### 1.3.0 — 2026-06-21

Thanks for using Budget Zero! This update includes several bug fixes and UI improvements.

You no longer are required to login - using CloudKit, your data is stored securely in iCloud.

### 1.2.6 — 2026-04-23

redesigned editing experience - save and delete actions are now inline with haptic feedback and unsaved-change protection. smarter review prompts at natural milestones. improved stability and performance.

### 1.2.4 — 2026-03-11

Thanks for using Budget Zero! This update includes several bug fixes and UI improvements.

### 1.2.2 — 2026-03-11

Thanks for using Budget Zero! This update includes stability improvements and under-the-hood refinements to keep things running smoothly.

### 1.2.0 — 2026-03-07

Bug fixes and performance improvements to keep your budget running smoothly.

  • month picker now includes year navigation, making it easier to review or plan past and future months
  • fixed a bug where "ready to assign" could show an incorrect amount after switching months
  • transactions now load faster throughout the app

## Apps similar to Budget Zero

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Budget Buddy: Expenses Tracker](https://appshunter.io/ios/app/budget-buddy-expenses-tracker/id1669955896) | 5.0 (1) | Free | Finance |
| [Centsible: Budget & Finance](https://appshunter.io/ios/app/centsible-budget-and-finance/id1609692064) | 4.4 (14) | Free | Finance |
| [Kora: Manual Expense Tracker](https://appshunter.io/ios/app/kora-manual-expense-tracker/id6737889671) | 5.0 (1) | Free | Finance |
| [Envelope Budget - Kualia](https://appshunter.io/ios/app/envelope-budget-kualia/id6466455367) | 4.6 (46) | Free | Finance |
| [Finmatex-Simple Budget Planner](https://appshunter.io/ios/app/finmatex-simple-budget-planner/id1529432691) | 3.7 (3) | Free | Finance |
| [Budget Planner: FitBudget](https://appshunter.io/ios/app/budget-planner-fitbudget/id6746050314) | 5.0 (4) | Free | Finance |

## More apps by Grey Park, LLC

- [Simple Pool: Chemistry & Math](https://appshunter.io/ios/app/simple-pool-chemistry-and-math/id6744664712)
- [Calorie Counter: Log & Go!](https://appshunter.io/ios/app/calorie-counter-log-and-go/id6748836518)
- [Treat Tally: Dessert Tracker](https://appshunter.io/ios/app/treat-tally-dessert-tracker/id6792447577)

All apps by Grey Park, LLC: https://appshunter.io/developer/1739831354

## Related topics

[simple budget envelopes](https://appshunter.io/ios/topics/simple-budget-envelopes)

---

*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 2026-08-11.*