# Budget Zero: Money Manager — Private Envelope Budgeting

> 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-money-manager/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: 4.33/5 from 6 App Store ratings · 4 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 21 MB
- Languages: American English, French (France), German (Germany), Italian, European Spanish
- Released: 2024-07-11
- Data updated: 2026-10-24
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/budget-zero-money-manager/id6482576006/reviews.md

## What is Budget Zero?

The budgeting app that respects your wallet AND your privacy.

Budget Zero uses zero-based envelope budgeting to give every dollar a job, without linking your bank account or tracking your data. Try Budget Zero Pro free for a month, or pay once with Lifetime and skip the subscription.

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 leftover money that rolls into next month

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
• Import your budget from YNAB: accounts, categories, transactions and balances
• Multiple account support (checking, savings, credit, cash)
• Monthly budget periods with easy month-to-month navigation
• Rollover: unspent money carries into the next month, and you can move it to another budget
• Budget groups for organized category management
• Transaction tracking with payee, date, and category, plus transfers between accounts
• Budgets filled in from each payee's last transaction
• Credit card payment budgets that keep card spending covered
• iCloud-synced across your devices
• Works offline - no internet required to budget
• Clean, distraction-free interface
• Dark mode support

BUDGET ZERO PRO

Pro unlocks unlimited budgets, accounts and transactions. Start with a free month on the monthly or yearly plan, or buy Lifetime once and keep Pro forever. Either way, it costs a fraction of what other budgeting apps 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: shown in your local currency on the App Store before purchase
• Free Trial: the monthly and yearly plans start with a 1-month free trial for eligible new subscribers. Unless you cancel at least 24 hours before the trial ends, the subscription starts and renews automatically.
• Lifetime: a one-time purchase that unlocks Budget Zero Pro permanently. It does not renew. Price shown in your local currency on the App Store before purchase.
• Payment will be charged to your Apple 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 Account Settings at any time after purchase.

Links:
• Privacy Policy: https://budgetzeroapp.com/privacy
• 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 |


## Is Budget Zero safe?

Not enough ratings yet to assess Budget Zero.

## Is Budget Zero legit?

Budget Zero: Money Manager appears to be a legitimate app. The AppsHunter Legitimacy Score for Budget Zero is 85 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (4 of 4)

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

### 5/5 — Perfect for me

*2026-10-20*

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

**Developer response:** Thanks so much for the review! Glad you are enjoying the app!

### 5/5 — helpful

*2026-10-15*

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

**Developer response:** Thank you for the positive review!

### 1/5 — paywall/subscription..

*2026-08-04*

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.

**Developer response:** 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!

### 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!

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

## 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)

### 1.9 — 2026-10-22

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!

### 1.8 — 2026-10-19

New in Budget Zero 1.8:

• Guided setup: enter what's in your account and your monthly take-home pay, pick a few starter budgets with suggested targets, and assign your money in about a minute.
• A quick tour shows how budgets and transactions work. Replay it any time from the ? on Budgets.
• iPad: Budgets opens your first budget beside a wider list, and amounts are no longer cut off.
• Small fixes and polish.

Thanks for budgeting with Budget Zero!

### 1.7 — 2026-10-18

New in Budget Zero 1.7:

• Rollover: from November, money you don't spend in a budget carries into next month, and an overspent budget starts the next month fresh.
• Credit cards: budgeted card spending moves to the card's payment budget, so the payment is covered.
• Transfers are now a transaction type, next to debit and credit.
• Type a payee you've used before and its budget is picked for you.
• A shorter create-budget form with simple color swatches.
• Copy your support ID from Settings if you ever need help.
• Fixed a possible freeze when opening a transaction, plus small fixes and polish.

Thanks for budgeting with Budget Zero!

### 1.6 — 2026-10-16

New in Budget Zero 1.6:

• Lifetime: pay once and keep Budget Zero Pro forever, no subscription.
• Try Pro free for a month on the monthly or yearly plan.
• No sign-up needed: your budget stays private and syncs through your own iCloud.
• Restoring purchases now tells you when there's nothing to restore.
• Small fixes and polish throughout.

Thanks for budgeting with Budget Zero!

### 1.5 — 2026-10-14

New in Budget Zero 1.5:

• Bug fixes and performance improvements.
• Small refinements throughout the app.

Thanks for budgeting with Budget Zero!

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## 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)
- [Orpheus Descending: Roguelike](https://appshunter.io/ios/app/orpheus-descending-roguelike/id6815917680)

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

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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 2026-10-24.*