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Zero Budget: Money Planner

Zero Budget: Money Planner

Household budget, every dollar

1 ratings
7 reviews
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

Released
September 4, 2026
Updated
October 26, 2026

Features

Developer

HARMAN SHARDA
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About

This app helps you manage your finances by assigning every dollar a job at the start of the month. It features sinking funds for future expenses, debt payoff tracking, and customizable reports to monitor your financial health.

✓Zero-based budgeting
✓Sinking funds for future expenses
✓Debt payoff tracking
✓Bank account connection
✓Manual transaction entry
✓Shared budgeting with one other person
✓Financial reports and trends
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What's New in Zero Budget

1.4.1

October 26, 2026

Bug fixes. A refund or reimbursement can now be filed against any budget line, the same as on the website. Switching a transaction between expense and income keeps the category when it still fits. Say it and receipt entries save correctly after a switch.

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2

Subscriptions & In-App Purchases

Premium Monthly

Bank sync included. Renews monthly.

$10.001 Month
14 Days trial
How to cancel Zero Budget subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

amazing

Ive been using this app for a couple weeks and so far I’m loving it! It’s helped me save money and also pay off the debts. very useful.
Bbiixov

Best Budgeting App out there

I have used a lot of different budgeting apps and techniques. But most of the apps I’ve hated because either they didn’t work in a way that my brain wired and understood… or they didn’t properly connect to my bank and cards. Zero literally restored my faith in the budgeting apps! It’s great and so easy to use! Just download it and even just pay for the month to see what it’s like! Set up so simple!
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CCalvinSomerville

New Way to Budget!

Love what these guys are doing. No jargon, no judgement, no guesswork! Should be built into every phone!
DGD Gaudet

Best Budgeting App!

Zero is so user friendly and has so many cool features that I didn’t know I needed. This app has been HUGE for my
personal finances!
CCarmie_Alarmie0926

Financial Tracking

This app has truly helped me track my finances. By being able to track my finances I can see where I spend my money and where I can save. This has truly helped me save a lot of money!
JJoshuaBojo
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FAQ

How does Zero Budget help me manage my money?

Zero Budget uses a zero-based budgeting approach, where you assign every dollar a job at the start of the month. This helps you track spending, plan for future expenses with sinking funds, and manage debt payoff.

What are sinking funds in Zero Budget?

Sinking funds allow you to set aside money each month for specific future expenses like car repairs or holidays. The balance carries forward, preventing large bills from being a surprise.

Can I connect my bank account to Zero Budget?

Yes, Zero Budget offers an automatic bank connection as part of its Premium plan. Alternatively, you can manually enter your transactions if you prefer.

Does Zero Budget offer a free trial?

Yes, Zero Budget provides a 30-day free trial with no card required. After the trial, you can choose between the Basic and Premium plans.

What are the differences between the Basic and Premium plans?

The Basic plan includes all core budgeting, sinking fund, and debt tracking features. The Premium plan adds the convenience of automatic bank account connection.

How does Zero Budget handle subscriptions and renewals?

Subscriptions are charged to your Apple Account and renew automatically unless turned off at least 24 hours before the current period ends. You can manage your subscriptions in your Apple Account settings.

Is Zero Budget available on multiple devices?

Based on the provided data, Zero Budget is currently supported on iPhone devices.

How often is Zero Budget updated?

The app was last updated on September 9, 2026, indicating regular updates to improve functionality and reliability.