Zerosum: Zero-based budgeting

Zerosum: Zero-based budgeting

Plan every dollar

29 ratings
18 reviews
Free
In-App Purchases

Details

Released
July 23, 2026
Updated
October 20, 2026

Features

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Zerosum: Zero-based budgeting screenshot #9 for iPhone
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About

This app helps you meticulously plan your finances using a zero-based budgeting approach. It allows you to allocate every dollar before spending, track savings goals, and gain insights through detailed analytics and forecasts. You can choose between automatic bank syncing or manual entry, and even share your budget with family.

✓Zero-based budgeting
✓Savings goal tracking
✓Financial analytics and forecasts
✓Recurring transaction scheduling
✓Bank sync or manual entry
✓Family budget sharing
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+1

What's New in Zerosum

1.1.13

October 20, 2026

Bug fixes and performance improvements.

4

Subscriptions & In-App Purchases

Zerosum Pro (Monthly)

Automatic bank sync, shared budgets for up to 5 members

$12.991 Month
1 Month trial
How to cancel Zerosum subscription ⁉️

User reviews

Amazing app and features

Normally I do not take the time to leave reviews, but… this app is fantastic. It really has every feature you can think of that allows you to customize your budget to your personal needs. It also seems to be updated frequently with even more improvements. Great!

Can’t wait for Apple Card support

Apparently it’s coming soon’ish, but even as it stands now, ZS blows away YNAB. Similar in so many ways, but far more powerful, and it’s constantly updated. Great community as well!!

Super appli !

Une application vraiment utile pour gérer son budget avec un développeur très réactif et à l’écoute des besoins et envies des utilisateurs.

Exactly what I wanted

I’ve spent a long time looking for a budgeting app that scratched the same itch as YNAB and this is probably the first one I’ve seen that I immediately felt good about. The interface is polished, the methodology is immediately familiar, there are tiers of membership so you don’t have to pay for features you don’t care about, and they have a real mobile app so you don’t have to screw with PWAs or self hosting. That ticks all my boxes, I’m switching.
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Fantastic!

I recently switched from YNAB and have no regrets making the switch recently after 14yrs. I pay much less now for a much better experience. I can carry forward my negative balances if I choose to for my reimbursement categories like I used to when YNAB used to have this feature. And it will only get better. So happy I found this!
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FAQ

What is Zerosum's zero-based budgeting approach?

Zerosum's zero-based budgeting means you plan where every dollar goes each month before you spend it. This ensures your spending aligns with your financial priorities and helps you avoid overspending.

Does Zerosum offer a free trial?

Yes, Zerosum offers a free 21-day trial for users to explore its features before committing to a subscription plan. This allows you to test the budgeting tools and see if they fit your financial habits.

What are the subscription options for Zerosum?

Zerosum offers Basic and Pro plans, available on a monthly or annual basis. Specific pricing is displayed within the app before purchase, with annual plans offering a cost saving over monthly subscriptions.

How do I manage or cancel my Zerosum subscription?

You can manage or cancel your subscription at any time through your App Store account settings. It's important to cancel at least 24 hours before the end of the current billing period to avoid automatic renewal.

Can I sync my bank accounts with Zerosum?

Yes, Zerosum supports bank syncing for automatic transaction imports. Alternatively, you can choose to go fully manual if you prefer to enter all your financial data by hand.

Is Zerosum suitable for families?

Yes, Zerosum allows you to share a budget with your partner or family members. This feature ensures everyone is on the same page regarding financial goals and spending.

What kind of financial reports does Zerosum provide?

Zerosum offers twelve reports, including net worth, spending by category, cash flow, income trends, and financial forecasts. These reports are designed to help you make more informed financial decisions.

How often is Zerosum updated?

Zerosum was last updated on July 23, 2026, with version 1.0. This indicates it is a newly released application, and users can expect future updates based on its development roadmap.