# ZEROS: Your Money App — Simply Manage Your Money > Simply Manage Your Money (iPhone/iPad app by Joshua Jones.) - Source: https://appshunter.io/ios/app/zeros-your-money-app/id6819943187 (this page in markdown: same URL + `.md`) - Developer: [Joshua Jones](https://appshunter.io/developer/6807445262) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 18.0 · 12 MB - Languages: American English - Released: 2026-10-23 - Data updated: 2026-10-25 ## What is ZEROS? Every paycheck gets a job. Every dollar has a place. Welcome to ZERO$. ZERO$ is the money app built around how you actually get paid. Bi-weekly, semi-monthly, or monthly, ZERO$ plans your bills one paycheck at a time and keeps an accurate ledger of every dollar, so you never have to guess what you can afford. ------------------------------ ZERO$ ACCOUNT LEDGER WITH ENVELOPES Know where your money is at ALL times. Your online bank balance doesn't show pending payments, scheduled bills, or money you've already set aside for something else. ZERO$ does. • Keep a running balance for each of your accounts • Split any account into envelopes like Gas/Groceries, Christmas, or Vacation, so money is earmarked before you spend it • See your total across all accounts at a glance • Stop relying on a bank balance that's only telling you half the story ------------------------------ ZERO$ BILL PAY PLAN Enter your monthly expenses once. ZERO$ orchestrates the rest. Add your bills, savings set-asides, and everyday spending, and ZERO$ automatically builds your bill pay schedule. Each bill is assigned to the right paycheck based on its due date and the money that paycheck will have. • Three expense types: Bills (with due dates), Set-Asides (savings goals and envelopes), and Per-Paycheck expenses (gas, groceries, fun money) • See exactly what each paycheck covers and how much is left over • Tap "Why is this here?" on any bill to see why it landed on that paycheck • Paycheck overcommitted? ZERO$ recommends fixes and moves bills for you with one tap • Easily move, adjust, or pause any expense to fine-tune your plan • Bi-weekly pay? ZERO$ spots your two "bonus" paychecks each year and helps you put them to work ------------------------------ PAID BILLS POST TO YOUR LEDGER AUTOMATICALLY Update your balances in seconds. When you mark bills and expenses paid, ZERO$ records each one in your account ledger and updates the right balances instantly. No double entry, no math, no spreadsheets. • Each payment posts as its own transaction, with the payee, amount, and category included • Mark ALL auto-drafts "Paid" with a single tap • Enter your actual paycheck amount on payday, and your plan updates to match ------------------------------ EVEN MORE TO LOVE • Automatic receipt scanning: snap a photo and ZERO$ fills in the transaction for you • Ask ZERO$: a built-in help chat that answers questions about your plan in plain English • Multiple earners: plan paychecks for everyone in your household, each labeled by name • Customizable categories to organize spending your way • "Where It Goes": a visual breakdown of your monthly expenses by category • Auto-draft tracking: autopay bills are clearly flagged so nothing slips through • Pay Online links: jump straight to a biller's payment page • Guided setup with tap-to-learn info buttons that explain every step ------------------------------ TRY ZERO$ FREE FOR 30 DAYS Set it up once, and payday finally makes sense. Download ZERO$ and give every dollar a job. Terms of Use: https://h6z6r86qz2ahoj8du4svm-web.rork.live/terms Privacy Policy: https://h6z6r86qz2ahoj8du4svm-web.rork.live/privacy ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Premium Monthly | $4.99 | per month | | Premium Yearly | $49.99 | per year | ## Is ZEROS safe? Not enough ratings yet to assess ZEROS. ## Is ZEROS legit? ZEROS: Your Money App has limited verification signals. The AppsHunter Legitimacy Score for ZEROS is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Version history (last 5 releases) ### 1.0.9 — 2026-10-25 What's new in 1.0.9: - Screenshots refreshed. - The "When marked done" choice "Post as spending" is now called "No envelope destination". - Accounts got a small pencil edit button on the account icon, so balances are never cut off. - The Expenses screen opens with an "Enter Your Monthly Expenses" prompt. ### 1.0.8 — 2026-10-25 What's new in 1.0.8: - Envelopes are now optional. An account can be just one balance, or split into envelopes with the rest kept in Main. - Deleting an envelope moves its money to Main, and lets you choose a new home for any bills that used it. - Mark ALL Auto-Drafts Paid with one tap. - New "Where It Goes" chart shows how each paycheck is split. - Create your own bill categories with New Category. - The free trial is now a full month. ### 1.0.7 — 2026-10-24 What's new in ZERO$: - Appearance: choose Automatic, Light, or Dark in Settings. - A refreshed tour that walks through Accounts and paying your bills on payday, step by step. - The Accounts how-to now shows envelopes, Scan Receipt, and each envelope's running balance. - Bug fixes and polish. ### 1.0.6 — 2026-10-24 What's new in ZERO$: - Rename or delete any envelope. Every account just needs at least one, and the main envelope's real name shows everywhere. - Transfers and pickers now show the envelope name next to the account, like "Checking · General". - Pay buttons read simply "Pay Online" or "Open App". - One-off paychecks: add a bonus or extra check and move bills onto it. - A calmer home screen: "You're All Caught Up!" until your next payday is close, with a countdown to each earner's next paycheck. - Pay links now sit on their own line so long bill names stay readable. - Ask ZERO$: get plain-language answers about how the app works. - Bill pay now starts once you confirm your actual paycheck amount, and you can start early if you are paid ahead of time. - Change the estimate for a single paycheck without changing your schedule. - Choose how savings are set aside: split evenly, as needed, or from one paycheck. - Add a pay link to set-asides and test custom app links. - A simpler envelope picker, and the Register tab is now called Accounts. - Bug fixes and polish. ### 1.0.4 — 2026-10-23 No release notes. ## More apps by Joshua Jones - [Agency Guidelines: Mortgage IQ](https://appshunter.io/ios/app/agency-guidelines-mortgage-iq/id6807445260) - [Sold Search](https://appshunter.io/ios/app/sold-search/id6821237876) All apps by Joshua Jones: https://appshunter.io/developer/6807445262 --- *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 2026-10-25.*