Best Zerosum alternatives: apps like Zerosum: Zero-based budgeting

10+ similar apps compared and reviewed

4.6 avg rating
10 free apps
Updated November 2026

Looking for something like Zerosum? We've analyzed 10+ similar apps to help you find the best alternative. Each app is compared by ratings, features, and real user reviews, so you can make the right choice.

Top Alternatives to Zerosum

Budget Zero: Envelope Planner#1

Budget Zero: Envelope Planner by Grey Park, LLC

Private Money Manager
Editor's Choice
💰 Finance
4.3(7 ratings)
FreeIn-App Purchases
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This app helps you manage your money privately using a zero-based envelope budgeting system. It allows manual transaction logging without linking bank accounts, offering a distraction-free interface and offline functionality.

Actual Budget Spendıng Tracker#2

Actual Budget Spendıng Tracker by Halim Ozturk

Smart Spending & Money Manager
Strong Contender
💰 Finance
4.3(90 ratings)
FreeIn-App Purchases
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A modern money manager designed to help you understand your spending, manage bills, and build financial habits. Track expenses, income, savings, debt, and net worth with visual progress and helpful alerts. Offers multiple currencies and offline capabilities.

More apps like Zerosum

4
Budgeting App - Spend Tracker
Budgeting App - Spend Tracker
Budgeting App - Spend Tracker
Money Manager & Budget Planner
Free

Manage your personal finances with this comprehensive budget planner and expense tracker. It offers features like device syncing, custom categories, flexible budgeting, and insightful analytics to help you stay on track with your spending and savings goals.

Sync across devicesCustomizable spending categoriesFlexible budget creation (weekly, monthly)
💰 Finance
(98)
free with in-app purchases
5
Kelo: Bill Organizer & Budget
Kelo: Bill Organizer & Budget
Kelo: Bill Organizer & Budget
Subscriptions, expense tracker
Free

Track subscriptions, bills, and expenses without connecting to your bank. Get alerts before charges and manage your finances with detailed summaries and customizable billing cycles. Optional premium features offer automatic logging, receipt scanning, and budgeting tools.

Subscription and bill trackingExpense logging without bank connectionUpcoming payment alerts
💰 Finance
(10)
freemium
6
Pennies: Budget & Bill Tracker
Pennies: Budget & Bill Tracker
Pennies: Budget & Bill Tracker
Expense organizer and manager
Free

This app helps you manage your spending and save money by providing clear daily spending limits. It offers flexible budgeting options, syncs across your Apple devices, and supports multiple currencies. Designed for everyday users, it simplifies personal finance with a bold, easy-to-use interface.

Daily spending limit guidanceFlexible budget customizationiCloud sync across devices
💰 Finance
(1.8K)
free with in-app purchases
7
YNAB
YNAB
YNAB
Never worry about money again
Free

This app helps you gain control over your finances by creating a proactive spending plan, paying down debt, and reaching your financial goals. It offers real-time updates for shared plans and securely links to financial accounts for automatic transaction import.

Proactive spending plan creationDebt paydown planningAutomatic transaction import
💰 Finance
(62K)
free with in-app purchases
8
Snowball Analytics
Snowball Analytics
Snowball Analytics
Portfolio & Dividend Tracker
Free

Consolidate investment accounts for comprehensive portfolio analysis and dividend tracking. Monitor stocks, ETFs, funds, and crypto across numerous exchanges with detailed performance metrics and AI-powered insights. Set financial goals and visualize your progress.

Consolidated portfolio overviewAutomatic dividend trackingPerformance analytics (IRR, diversification)
💰 Finance
(2.2K)
freemium
9
Fudget: Monthly Budget Planner
Fudget: Monthly Budget Planner
Fudget: Monthly Budget Planner
Daily Money & Expense Tracker
Free

This app helps users manage their money by tracking income and expenses to stay within budget. It offers features for various budgeting needs, from daily spending to large projects, with real-time updates and secure access.

Track income and expensesCreate budgets for events and projectsReal-time budget monitoring
💰 Finance
(1.8K)
freemium
10
Tracky: Simple Budget Planner
Tracky: Simple Budget Planner
Tracky: Simple Budget Planner
Manage and Track your Spending
Free

Easily manage your finances by tracking expenses and creating custom budgets. Allocate funds into categories like groceries or hobbies, and monitor your remaining balance with automatic calculations. Securely manage your money without linking bank accounts.

Create and manage budgetsTrack expenses with custom categoriesAutomatic remaining budget calculation
💰 Finance
(124)
free with in-app purchases