# Zerosum: Zero-based budgeting — Plan every dollar > Zero-based budgeting app for detailed financial planning and goal tracking. (iPhone/iPad app by Pedro Fidalgo.) - Source: https://appshunter.io/ios/app/zerosum-zero-based-budgeting/id6784319439 (this page in markdown: same URL + `.md`) - Developer: [Pedro Fidalgo](https://appshunter.io/developer/6784319441) - Category: Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 16 App Store ratings · 9 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 11 MB - Languages: American English - Released: 2026-07-23 - Data updated: 2026-09-06 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/zerosum-zero-based-budgeting/id6784319439/reviews.md ## What is Zerosum? Zerosum is zero-based budgeting that actually makes sense. Plan every dollar before you spend it, hit your savings goals, and always know exactly where your money is going. PLAN EVERY DOLLAR Start each month by planning where every dollar goes, so your spending matches your priorities before the money is gone. SAVINGS GOALS THAT FIT REAL LIFE Save on a schedule, refill monthly categories, save by a date, or track open-ended balances. Simple goals for how people actually budget. ANALYTICS AND FORECASTS Net worth, spending by category, cash flow, income trends, and financial forecasts. Twelve reports that help you make better decisions. RECURRING TRANSACTIONS Set bills, subscriptions, and paychecks once with flexible scheduling: daily, weekly, monthly, yearly, or any custom interval. Never enter the same transaction twice. BANK SYNC OR FULLY MANUAL Connect your accounts for automatic imports, or go fully manual. Your workflow, your choice. SHARE WITH FAMILY Share a budget with your partner or family so everyone stays on the same page. Your money, organized. Start with a free 1 month trial. SUBSCRIPTIONS Zerosum offers Basic, Plus and Pro plans, each available monthly or annually. Prices are shown in the app before purchase. Payment is charged to your Apple Account at confirmation of purchase, and your subscription renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Terms of Use: https://zerosum.so/terms Privacy Policy: https://zerosum.so/privacy ## Key features - Zero-based budgeting - Savings goal tracking - Financial analytics and forecasts - Recurring transaction scheduling - Bank sync or manual entry - Family budget sharing ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Zerosum Pro (Monthly) | $12.99 | per month | | Zerosum Pro (Annual) | $89.99 | per year | | Zerosum Basic (Monthly) | $5.99 | per month | | Zerosum Basic (Annual) | $39.99 | per year | ## Recent user reviews (9 of 9) All indexed reviews: https://appshunter.io/ios/app/zerosum-zero-based-budgeting/id6784319439/reviews.md ### 5/5 — Excellent *2026-08-18* A worthy replacement for YNAB ### 1/5 — Deceptive Practices *2026-08-17* Makes statements about free trials in their description but upon downloading, the options presented are different and requires a yearly subscription to access free trials. Navigation throughout the app behind paywall, and cannot explore freely. Impressive. **Developer response:** Thanks for the feedback, and sorry for the confusion here. To clarify how the free month works: Apple requires every free trial to be attached to a subscription — that's an App Store rule, not something we set. You start the yearly plan, get your first month free, and you're not charged anything until the month is over. You can cancel any time during that month and pay nothing. If you'd rather not keep it, cancelling right after signing up still gives you the full free month. ### 5/5 — Great YNAB alternative *2026-08-01* After using YNAB for many years and growing tired with their changes, I’ve made the switch to Zerosum. This app is great and has some more features than YNAB. ### 5/5 — Loving it! *2026-07-26* Loving the app so far. I was looking for a zero based budgeting app after trying Every Dollar and YNAB and found this. It was easy to set up and connect my accounts with Plaid. The UI is easy to navigate and it has tons of reporting options to show what your money is doing. Customer support is always prompt. ### 5/5 — Great Budgeting App! *2026-07-23* 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! ### 5/5 — 10 Stars Worthy *2026-07-23* 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. ### 5/5 — Great! *2026-07-23* 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. ### 5/5 — Best Zero Based Budgeting Available *2026-07-23* 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. ### 5/5 — The best zero based budgeting app! *2026-07-23* 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. ## Frequently asked questions about Zerosum ### 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. ## Version history (last 5 releases) ### 1.1.10 — 2026-09-06 Bug fixes and performance improvements ### 1.1.9 — 2026-09-04 Bug fixes and performance improvements. ### 1.1.8 — 2026-08-26 Bug fixes and performance improvements. ### 1.1.7 — 2026-08-25 Bug fixes and performance improvements. ### 1.1.6 — 2026-08-21 Bug fixes and performance improvements. ## Related topics [fidallas](https://appshunter.io/ios/topics/fidallas) · [based app](https://appshunter.io/ios/topics/based-app) --- *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 2026-09-06.*