Budget Zero: Money Manager

Budget Zero: Money Manager

Private Envelope Budgeting

6 ratings
4 reviews
Free
In-App Purchases

Details

Released
July 11, 2024
Updated
October 22, 2026

Features

Budget Zero: Money Manager screenshot #1 for iPhone
Budget Zero: Money Manager screenshot #2 for iPhone
Budget Zero: Money Manager screenshot #3 for iPhone
Budget Zero: Money Manager screenshot #4 for iPhone
Budget Zero: Money Manager screenshot #5 for iPhone
Budget Zero: Money Manager screenshot #6 for iPhone
Budget Zero: Money Manager screenshot #7 for iPhone
Budget Zero: Money Manager screenshot #8 for iPhone
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About

This app offers a private and simple way to manage your money using a zero-based envelope budgeting system. It allows manual transaction logging without linking bank accounts, helping you track every dollar and stay mindful of your spending.

✓Zero-based envelope budgeting
✓Manual transaction logging
✓No bank account linking
✓Private and secure
✓Offline functionality
✓Monthly budget periods
Show original description
+3

What's New in Budget Zero

1.9

October 22, 2026

Budget Zero 1.9 makes switching from YNAB easy, and the money you don't spend now carries over. • Import from YNAB: bring over your accounts, categories, every transaction and each budget's balance from a YNAB export, during setup or from Settings. Your file never leaves your device, and the import is checked against YNAB's own numbers. • Leftovers carry over: from November, money you don't spend stays in its budget for next month. Each budget now shows what carried over, what you assigned and what you spent, and you can move leftovers to another budget. • Budgets follow the group order you set in Settings, and new users can turn on an evening reminder to log their spending. • Faster with years of history, plus bug fixes and polish. Thanks for budgeting with Budget Zero!

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Subscriptions & In-App Purchases

Monthly Subscription

Monthly subscription for Budget Zero

$2.991 Month
1 Month trial
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

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.