# ZeroBudget: Expense Tracker — Budget planner, 100% private > Budget planner, 100% private (iPhone/iPad app by RAUL DOMINGUEZ UGARTE.) - Source: https://appshunter.io/ios/app/zerobudget-expense-tracker/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 · 11 MB - Languages: American English, French (France), Japanese, Korean, Brazilian Portuguese, European Spanish - Released: 2026-06-15 - Data updated: 2026-09-03 - User reviews in markdown: https://appshunter.io/ios/app/zerobudget-expense-tracker/id6759937538/reviews.md ## What is ZeroBudget? ZeroBudget is the most private personal finance app for iPhone. For anyone who wants their money under control and their data only in their pocket. Your data never leaves your device. No servers. No accounts. No cloud. Just you and your money. — THE METHOD THAT WORKS — Zero-based budgeting (50/20/20/10): every dollar of your income gets a job before the month begins. Nothing is left "unassigned". — FREE, FOREVER — • Up to 3 accounts: cash, debit, savings, or credit card • Unlimited transactions and real-time budget tracking • Credit cards with automatic statement cutoff and payment dates, plus per-cycle balance • Installment plans (buy-now-pay-later): log the purchase once and the app creates the monthly charges — up to 2 active plans • A savings goal with a dedicated account and visual progress • Split expenses with friends or family and track who owes you — up to 2 active splits • Smart capture + receipt scanning with OCR • Share an account's movements via AirDrop or Mail — great for family supplementary cards • Siri, widgets, recurring income & expenses, and reminders • Data backup and Face ID / Touch ID / PIN • Full dark mode · Spanish, English, French, Portuguese, Japanese, and Korean — TRY IT RISK-FREE — When you install, you get a free 30-day trial of the Pro features —Heatmap, Analytics, file import, and encrypted backup. When it ends, you keep using ZeroBudget for free. — WITH ZEROBUDGET PRO YOU KEEP — The analytics you tried: • Visual spending Heatmap by category and merchant • Where your money went, monthly projection, budget alerts, top spending, trends, and savings opportunities • Import your transactions from Excel, CSV or TXT — we detect the columns automatically (or map them in seconds) • Receive the movements your family shares and import them into your card • Password-encrypted backup — PLUS YOU UNLOCK — • Unlimited accounts, goals, installment plans, and expense splits • Export transactions to CSV • Priority support Monthly or annual subscription. Cancel anytime. — TOTAL PRIVACY — Unlike other finance apps, ZeroBudget doesn't connect to your bank, doesn't sync to the cloud, and doesn't share your data with anyone. Everything lives on your iPhone, protected by iOS. Your money, your decisions. 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) ### 1.5.3 — 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. ### 1.5 — 2026-08-08 What's new in 1.5: • Month Summary in Analytics: your spending explained in cards — where you spend the most, where you shop most often, how much was already committed, and your projected month-end total. • Faster capture: as you type a description, the app suggests the account and category in Expenses, Income, and Transfers — one tap to undo. • Accessibility: Larger Text, Reduced Motion, and better contrast across the app. • General polish and stability improvements. ### 1.4 — 2026-07-30 What's new in 1.4: • Split expenses: divide a dinner or the rent equally or by person, track who owes you, and settle with one tap. All on your iPhone — no extra apps, no accounts, no cloud. • Spending habits: discover in Analytics which merchants repeat the most each month (the daily coffee, the weekly grocery run). • Recurring, renewed: edit any scheduled expense or income and use new frequencies — bimonthly, quarterly, semiannual, and annual. • Calendar summary grouped by day, cents in Movements, and general polish. ## Related topics [spendaq](https://appshunter.io/ios/topics/spendaq) · [wizefi](https://appshunter.io/ios/topics/wizefi) · [money saving tracker free](https://appshunter.io/ios/topics/money-saving-tracker-free) --- *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 2026-09-03.*