# ZeroBudget: Budget Planner — Private expense & debt tracker > Private expense & debt tracker (iPhone/iPad app by RAUL DOMINGUEZ UGARTE.) - Source: https://appshunter.io/ios/app/zerobudget-budget-planner/id6759937538 (this page in markdown: same URL + `.md`) - Developer: [RAUL DOMINGUEZ UGARTE](https://appshunter.io/developer/1881761843) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.0 · 12 MB - Languages: American English, French (France), Japanese, Korean, Brazilian Portuguese, European Spanish - Released: 2026-06-15 - Data updated: 2026-10-04 - User reviews in markdown: https://appshunter.io/ios/app/zerobudget-budget-planner/id6759937538/reviews.md ## What is ZeroBudget? ZeroBudget is an expense and income tracker for iPhone built for total privacy. Your data stays on your phone: we have no servers, no sign-up and no bank linking. No one else can see your information, not even us. — YOUR PRIVACY — • Everything is stored only on your iPhone • The app never sends your data to any server, and we have no access to it • No account, no email and no bank connection • Works offline • No ads or trackers: the App Store privacy label says "Data Not Collected" • Protected with Face ID, Touch ID or PIN If you back up to iCloud Drive or share via AirDrop, you decide where your data goes. — WHAT YOU CAN DO — • Zero-based budget: every dollar of your income gets a job • Heatmap to see where your money goes at a glance (Pro; free for 30 days when you install) • Log expenses in seconds, scan receipts or just tell Siri • Credit cards with statement and payment dates, plus installment plans (buy now, pay later) • Split expenses with family or friends and see who owes you • Grocery list with a live total that becomes an expense when you're done • Savings goals, recurring expenses, widgets and reminders — FREE AND PRO — The essentials are free forever, with up to 2 accounts plus cash, 1 goal, 2 installment plans, 2 split expenses and 1 shopping list active at a time. When you install, you try Pro free for 30 days. Pro adds the spending Heatmap, analytics with an end-of-month estimate, import from Excel or CSV, password-protected backup and unlimited everything. Monthly or annual subscription; cancel anytime. Terms: https://araniosoft.com/zeroBudget/terms-en.html Privacy: https://araniosoft.com/zeroBudget/privacy-en.html Support: soporte@araniosoft.com ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | ZeroBudget Pro Monthly | $5.99 | per month | | ZeroBudget Pro Anual | $39.99 | per year | ## Version history (last 5 releases) ### 1.6 — 2026-09-17 Shopping list with shopping mode: check off what you buy and watch the total live Every item remembers its last price and when you bought it Finish shopping and the expense logs itself, receipt included Product categories with colors, in your order, and share the list via AirDrop A Live Activity on the Lock Screen and in the Dynamic Island while you shop Quick expense widget on the Lock Screen. And the app is faster. ### 1.5.4 — 2026-09-03 Redesigned month-end estimate: tap it to see what's inside Weekly projection instead of a daily average Edit the account and category of a recurring expense A heads-up when an expense would leave your account negative Schedule recurring expenses on the 29th, 30th and 31st Plus polish across several screens. Plus polish across several screens. ### 1.5.3 — 2026-08-26 More accurate credit cards and goals More reliable backups Plus polish across several screens. ### 1.5.2 — 2026-08-19 Encrypted automatic backups Your automatic backup is now encrypted on device. It opens only on your own iPhones — the key travels through your iCloud Keychain — and Settings shows a recovery key in case you switch phones. Much faster with a long history Transactions, accounts and credit cards respond far better once you have thousands of entries. Invite your family When you share your transactions you can now send an invitation to install the app too. Plus polish across several screens. ### 1.5.1 — 2026-08-13 Improved file importing. When you delete an account, the app tells you how many transactions and instalment plans it holds, and what stays. Your recorded spending isn't lost. Stability fixes. ## Apps similar to ZeroBudget | App | Rating | Price | Category | | --- | --- | --- | --- | | [Sincap: Bills & Installments](https://appshunter.io/ios/app/sincap-bills-and-installments/id6760716840) | — | Free | Finance | | [MeuGrana: Parcelas & Finanças](https://appshunter.io/ios/app/meugrana-parcelas-and-financas/id6759177555) | — | Free | Finance | | [MeuDin: Finanças pessoais](https://appshunter.io/ios/app/meudin-financas-pessoais/id6760946967) | 5.0 (1) | Free | Finance | | [Kontto: Personal Finance](https://appshunter.io/ios/app/kontto-personal-finance/id6779804042) | — | Free | Finance | | [Kelo: Expense Tracker & Budget](https://appshunter.io/ios/app/kelo-expense-tracker-and-budget/id6744532763) | 5.0 (7) | Free | Finance | | [Money Manager: Daily Expenses](https://appshunter.io/ios/app/money-manager-daily-expenses/id6753577383) | 5.0 (3) | Free | Finance | ## Related topics [dspfcu total access](https://appshunter.io/ios/topics/dspfcu-total-access) --- *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 2026-10-04.*