Comparison

Fineyo vs zero

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

Head to head
About

Fineyo

Effortlessly manage your finances with a powerful yet simple expense tracker. Log spending, create budgets, and gain clear insights into your financial habits. Designed for clarity and ease of use, it helps you build better financial habits.

Highlights
  • Expense & Income Tracker
  • Budget Planner
  • Spending Insights & Charts
  • Custom Categories
  • iCloud Sync
  • Offline Mode
Features
Read full description

Take control of your money with a simple, powerful expense tracker. Track spending, set budgets, and see exactly where your money goes. No clutter. No overwhelm. Just clarity. Managing subscriptions, multiple accounts, and daily expenses should not feel overwhelming. Fineyo helps you track spending, set budgets, and understand your financial habits in seconds. Whether you are saving for travel, building an emergency fund, or simply trying to stop overspending, Fineyo makes personal finance clear and effortless. TRACK EXPENSES IN SECONDS Add expenses or income instantly. No complicated forms. No unnecessary steps. Just fast, intuitive money tracking. Perfect for daily expense tracking, subscription management, and quick budget logging. SEE WHERE YOUR MONEY GOES Get a complete overview of your finances in one clean dashboard. Categorize transactions, review spending history, and stay organized with a minimalist interface designed for clarity. Fineyo works as your personal money manager and spending tracker. VISUAL CHARTS & INSIGHTS Understand your financial habits at a glance. Analyze trends, monitor monthly spending, and identify areas to improve with clear and modern charts. Data becomes insight. Insight becomes smarter decisions. SMART BUDGETING MADE SIMPLE Create category budgets and set spending limits. Receive gentle reminders when you are approaching your limit so you stay in control without stress. Budgeting should guide you, not pressure you. KEY FEATURES • Expense & Income Tracker • Budget Planner for specific categories • Spending Insights & Charts • Custom Categories with Emojis • iCloud Sync Across Devices • Apple Pay Transaction Import • Multi-Currency Support • Powerful Search & Filters • Dark Mode • Offline Mode - Track anytime Fineyo is built for people who want a clean, distraction-free budgeting app without complexity. If you are looking for: • an expense tracker • a budget app • a money manager • a spending tracker • a personal finance app Fineyo brings it all together in one beautifully simple experience. Start tracking your expenses today and build better financial habits with confidence. Terms of Use https://fineyo.app/terms-of-use.html Privacy Policy https://fineyo.app/privacy-policy.html

About

zero

This app helps you track expenses and manage money owed without requiring an account or internet connection. It offers a clean interface for quick entry, custom categories, and visual reports to understand your spending. Your financial data remains private and is stored locally on your device.

Highlights
  • Offline expense tracking
  • No account required
  • Track money owed and lent
  • Customizable categories
  • Visual spending reports
  • Data export and import
  • Privacy-focused local storage
Features
Read full description

WHY zero? Most finance apps want your data. zero wants nothing. • No account required: start tracking in seconds • No internet needed: works 100% offline • No ads, no subscriptions: completely free • No data collection: your finances stay private TRACK EXPENSES EFFORTLESSLY Add expenses in seconds with a clean, minimal interface designed for daily use. • Quick entry with amount, title & category • Custom categories with icons and colors • Date picker for past expenses • Notes and descriptions for every transaction MANAGE MONEY YOU OWE & ARE OWED Never forget an IOU again. • Track money you lent and borrowed • Organize by person with custom icons • See total balances at a glance BEAUTIFUL REPORTS & INSIGHTS Understand your spending with clear, visual reports. • Monthly expense breakdown with pie charts • Daily spending calendar heatmap • Category-wise analysis • Filter by month and year DESIGNED FOR YOU • Dark mode & light mode • Multiple currency support • Export & import your data • Fast, lightweight, battery-friendly PRIVACY BY DESIGN Zero is built on a simple principle: your money, your business. All data is stored locally on your device. No servers, no cloud, no sync, no analytics, no third-party SDKs. Your financial data never touches the internet. Download zero and take control of your finances, privately.

Screenshots

Fineyo4 screens
zero4 screens

Verdict

The call

The clearest difference is rating: Fineyo at 5.0 against zero's 3.3. Fineyo also leads on update cadence (every 4 days vs every 2 weeks) and review sentiment (80% vs 67%). zero's advantage is in-app purchases (none vs 3) and device support (3 vs 1). On price, ads and iOS requirement 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. Fineyo sells 3 in-app purchases, starting at $3.99 per month. zero asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Fineyo holds the better App Store score, 5.0 against 3.3. Both are backed by a comparable volume of ratings — 11 and 3 respectively. Written reviews point the same way: 80% of Fineyo's written reviews are positive against 67% of zero's.

UpkeepUpdate frequency

Fineyo ships an update every 4 days, zero every 2 weeks. The most recent releases landed on September 12, 2026 and September 13, 2026 respectively.

Scorecard7 real differences · 3 level
Fineyo versus zero: the parameters behind the verdict, then further details
ParameterFineyozero
PriceFreeFree
Rating5.0 (11 ratings) — better3.3 (3 ratings)
Positive reviews80.0% of reviews — better66.7% of reviews
Number of ratings11 — better3
Update frequencyEvery 4 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFree — better
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.415.1 — better
Further details — not scored
Size102 MB31 MB
Age rating4+4+
DeveloperDeniss DubininsLossless Protocols

Customer experience

Fineyo

All ratings11 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews10 reviews
Positive80.0%
Neutral0.0%
Negative20.0%

zero

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews3 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

3 purchases

Fineyo

Subscriptions2
  • Monthly Premium3 Days trial$3.991 Month
  • Annual Premium7 Days trial$24.991 Year
One-time1
  • Lifetime$34.99
None

zero

No in-app purchases

Questions

Is Fineyo free?
Fineyo is free to download, with in-app purchases available.
Is zero free?
zero is free to download, with no in-app purchases.
Which has better reviews, Fineyo or zero?
Fineyo is rated higher. Fineyo averages 5.0 out of 5 from 11 ratings, while zero averages 3.3 from 3 ratings.
Do Fineyo or zero have ads?
Neither Fineyo nor zero shows ads.
Which is updated more often, Fineyo or zero?
Fineyo ships an update every 4 days, and zero every 2 weeks. Most recently, Fineyo was updated on September 12, 2026 and zero on September 13, 2026.

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