Comparison

Budgeting App vs Zerosum

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Budgeting App

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.

Highlights
  • Sync across devices
  • Customizable spending categories
  • Flexible budget creation (weekly, monthly)
  • Track income and expenses
  • Automated recurring transactions
  • Detailed spending analytics
  • Multiple account management
  • Savings and loan tracking
Features
Read full description

The Budgeting App is a manual-first budget planner and expense tracker for people who want to feel in control of their money, not just watch an automatic dashboard. When you log spending yourself, you stay aware of every purchase, notice your habits, and make calmer decisions about where your money goes. - Flexible budgets that fit your life: create weekly, fortnightly, or monthly budgets and see at a glance whether you're on track. - Fast expense logging: add income and spending in seconds, with a built-in calculator so you can do the maths before you save. - Custom categories: organise your spending with categories and icons you choose, so your budget reflects how you actually live. - Insightful analytics: spot patterns in your spending and make informed decisions about credit cards, savings, and your emergency fund. - Recurring transactions: keep track of regular bills and subscriptions, from insurance to streaming, so nothing catches you by surprise. - Savings and loan trackers: set savings goals and follow loan repayments in one place to stay focused on what matters. - Multiple accounts and currencies: manage separate accounts, each with its own budgets, goals, and currency. - Automatic bank sync (Australia, United States, and Canada): connect your bank to import transactions automatically, then review and categorise them yourself. Bank connections are provided by Fiskil in Australia and Plaid in the United States and Canada. Everywhere else, The Budgeting App is manual by design. - Sync across devices: pick up your budget on any device and stay on top of your spending wherever you are. Budgeting works best when you're part of it. The Budgeting App keeps you close to your money so good habits actually stick. Download The Budgeting App and start budgeting with intention today. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ [:mav: 5.9.3]

About

Zerosum

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.

Highlights
  • Zero-based budgeting
  • Savings goal tracking
  • Financial analytics and forecasts
  • Recurring transaction scheduling
  • Bank sync or manual entry
  • Family budget sharing
Features
Read full description

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

Screenshots

Budgeting App4 screens
Zerosum4 screens

Verdict

The call

The clearest difference is rating: Zerosum at 5.0 against Budgeting App's 4.7. Zerosum also leads on update cadence (every 2 days vs weekly) and review sentiment (92% vs 79%). Budgeting App's advantage is ratings volume (87 vs 24). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Budgeting App sells 7 in-app purchases, starting at $2.99 per month and Zerosum sells 6 in-app purchases, starting at $5.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Zerosum holds the better App Store score, 5.0 against 4.7. Both are backed by a comparable volume of ratings — 87 and 24 respectively. Written reviews point the same way: 79% of Budgeting App's written reviews are positive against 92% of Zerosum's.

UpkeepUpdate frequency

Budgeting App ships an update weekly, Zerosum every 2 days. The most recent releases landed on October 19, 2026 and October 16, 2026 respectively.

Scorecard4 real differences · 6 level
Budgeting App versus Zerosum: the parameters behind the verdict, then further details
ParameterBudgeting AppZerosum
PriceFreeFree
Rating4.7 (87 ratings)5.0 (24 ratings) — better
Positive reviews78.9% of reviews91.7% of reviews — better
Number of ratings87 — better24
Update frequencyWeeklyEvery 2 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size63 MB11 MB
Age rating4+4+
DeveloperThe Budgeting CompanyPedro Fidalgo

Customer experience

Budgeting App

All ratings87 ratings
Positive95.4%
Neutral0.0%
Negative4.6%
Written reviews19 reviews
Positive78.9%
Neutral0.0%
Negative21.1%

Zerosum

All ratings24 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews12 reviews
Positive91.7%
Neutral0.0%
Negative8.3%

In-app purchases

7 purchases

Budgeting App

Subscriptions5
  • Pro (Monthly)$2.991 Month
  • Lifetime Bank Sync Add-On (Monthly)$5.991 Month
  • Pro Sync (Monthly)1 Month trial$9.991 Month
Show 2 more
  • Pro (Annual)$26.491 Year
  • Pro Sync (Annual)1 Month trial$89.991 Year
One-time2
  • The Budgeting App Pro Lifetime$33.99
  • The Budgeting App Pro Lifetime$59.90
6 purchases

Zerosum

Subscriptions6
  • Zerosum Basic (Monthly)1 Month trial$5.991 Month
  • Zerosum Plus (Monthly)1 Month trial$8.991 Month
  • Zerosum Pro (Monthly)1 Month trial$12.991 Month
Show 3 more
  • Zerosum Basic (Annual)$39.991 Year
  • Zerosum Plus1 Month trial$59.991 Year
  • Zerosum Pro (Annual)1 Month trial$89.991 Year

Questions

Is Budgeting App free?
Budgeting App is free to download, with in-app purchases available.
Is Zerosum free?
Zerosum is free to download, with in-app purchases available.
Which has better reviews, Budgeting App or Zerosum?
Zerosum is rated higher. Budgeting App averages 4.7 out of 5 from 87 ratings, while Zerosum averages 5.0 from 24 ratings.
Do Budgeting App or Zerosum have ads?
Neither Budgeting App nor Zerosum shows ads.
Which is updated more often, Budgeting App or Zerosum?
Budgeting App ships an update weekly, and Zerosum every 2 days. Most recently, Budgeting App was updated on October 19, 2026 and Zerosum on October 16, 2026.

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