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Zerosum: Zero-based budgeting

Zerosum: Zero-based budgeting

Plan every dollar

9 ratings
5 reviews
#194 in top-grossing Finance
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • July 23, 2026
  • July 25, 2026

Features

Developer

Pedro Fidalgo
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📉no. 194
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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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+2

What's New in Zerosum

1.0.1

July 25, 2026

Bug fixes and stability improvements.

Subscription plans

Zerosum Pro (Monthly)

Automatic bank sync, shared budgets for up to 5 members

$12.991 Month
How to cancel Zerosum subscription ⁉️

Charts

Top Grossing

📉 194-19

Finance

This app dropped -19 positions in Finance chart.

Last updated on July 29, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Great Budgeting App!

I’ve been using Zerosum for about three months after trying numerous other budgeting systems. I’ve found a new home to plan and track my finances. I really like the plethora of highly customizable reports. This is as close to perfection in zero based budgeting I’ve found!
sellis1949sellis1949

10 Stars Worthy

Zerosum is a life changing budgeting app! I couldn’t imagine my life without it. Truly the best experience over other zero based budgeting apps.
ZerosumMikZerosumMik

Great!

Zerosum is an excellent zero-based budget application. It‘s more robust than competitors and more customizable than YNAB. And less expensive. If you want to import your transactions, Plaid is now available. If you don’t want to import or Plaid isn’t available where you live, your lower subscription price doesn’t subsidize those who do use Plaid.
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mamaduckiemamaduckie

Best Zero Based Budgeting Available

After 14 years using YNAB, I’ve finally found a software that beats it and for way less! Highly customizable, ridiculous levels of reports, and it just works. I highly recommend you give Zerosum a chance because I don’t think you’ll be disappointed.
Mattie DubsMattie Dubs

The best zero based budgeting app!

The title I have given this review is deadly serious. I have tried pretty much every envelope budgeting app including the “big brand”. Zerosum is something else! It allows me to follow the zero based budget method but at the same time to bespoke my approach to suit my own particular needs. It does not overly constrain me and certainly does not “preach” at me. So whether your needs are simple, or more complex with comprehensive reporting, ZeroSum is my firm recommendation.
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kidglove57kidglove57

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.