Comparison

Digital Budget vs Budget Zero

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

Head to head
About

Digital Budget

Manage your finances with a personal budgeting app that allows you to track income, expenses, and set aside money for specific purposes. Plan for future 'what-if' scenarios and visualize your spending habits with helpful charts. Syncs data across iCloud-enabled devices.

Highlights
  • Monthly budget planning
  • Envelope spending tracking
  • Scenario builder for future planning
  • Graphical spending trend analysis
  • Home and Lock Screen widgets
  • Apple Watch companion app
  • Siri Shortcuts integration
Features
Read full description

Digital Budget is your own personal hassle-free go-to budgeting app. Budget without any external accounts and have all your data sync across iCloud-enabled devices. PLAN YOUR MONTHLY BUDGET Track all of your income, expenses, and envelopes to plan your monthly budget. Mark items as paid, or see them warn you when the due date is upcoming or past. Quickly see a variety of totals and know how well you’re sticking to your budget. TRACK DAILY ENVELOPE SPENDING* Your envelopes are a representation of money set aside for a specific purpose in the month (i.e. groceries). However, we don’t always spend exactly that much per month. So, you can add spending expenses quickly to track how much of the envelope has been spent, or how much needs to be reassessed and/or moved to compensate for over spending. PLAN WITH THE SCENARIO BUILDER* Life is full of what ifs. What if I bought a new car? What if I moved? What if I changed jobs? Now, you can create Scenarios that don’t touch or affect your official monthly budget. Plan for the what ifs and know if you can afford to make changes to your budget. VIEW GRAPHICAL TRENDS* Numbers on the screen are just text. View the graphical trends of your spending habits monthly or in a custom range. Are you spending more per month than you expected? Have you spent more than you budgeted in your envelopes? See where there are anomalies in order to try and fix it before the next month’s budget starts. WIDGET SUPPORT* Various Home Screen and Lock Screen widgets allow for quick updates to your budget without opening the app. Quickly see budget metrics for the current month, see expenses that are due in the next week, and see envelope progress for the current month. (The envelope widget is customizable to which envelope you want to see for the current month.) WATCHOS COMPANION APP* View your current month's budget straight on your Apple Watch in the companion app. See the status of all budget items along with the status of your envelopes (amount and all expenses). Includes various watch face complications for quick glances throughout the day. SIRI SHORTCUTS INTEGRATION NEW! Two preconfigured shortcuts are available to be run from anywhere (Spotlight Search, Shortcuts, asking Siri, etc.). The first is Due Soon, which shows you which budget items are coming due in the next week without opening the app or the widget. The second is Record Expense* (this is exclusive to subscribers to record an envelope expense). These shortcuts can also be utilized in the Shortcuts app to automate your budget and make it work for you. *Always ad-free and free use to create a simple monthly budget (using a limited number of envelopes and budget items). Additional app features require Budget Pass. DIGITAL BUDGET PASS Purchasers of the Digital Budget Pass gain these benefits over free users: -Unlimited budget items (income, expenses, and envelopes) -Track daily envelope spending -View graphical trends -Plan with the Scenario Builder -Access home and Lock Screen widget -Access the watchOS companion app and watch face complications -Access to the Record Expense Siri Shortcut Subscribe with your Apple ID and manage in your Apple subscriptions, or pay once and unlock forever. All data is processed on device, stored in your private iCloud container and shared securely between all your personal devices signed in to the same Apple ID. Budget on your iPhone, iPad, or Apple Silicon Mac and have your data sync automatically. No data is collected from you, ever. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Budget Zero

This app offers a private and simple way to manage your money using a zero-based envelope budgeting system. It allows manual transaction logging without linking bank accounts, helping you track every dollar and stay mindful of your spending.

Highlights
  • Zero-based envelope budgeting
  • Manual transaction logging
  • No bank account linking
  • Private and secure
  • Offline functionality
  • Monthly budget periods
Features
Read full description

The budgeting app that respects your wallet AND your privacy. Budget Zero uses zero-based envelope to budget down to zero - without linking your bank account or tracking your data. Join countless users who've taken control of their money the simple way. WHY BUDGET ZERO? • Affordable - A fraction of the cost of other budgeting apps. • Private - No bank linking. No data selling. Your finances stay yours. • Simple - Manual entry keeps you mindful of every transaction • Powerful - Full envelope budgeting with monthly budget periods HOW IT WORKS 1. Add your accounts (checking, savings, credit cards, cash) 2. Create budget categories and organize them into groups 3. Assign dollars to each category every month 4. Log transactions and watch your budget update in real time 5. Reach zero - every dollar has a job FEATURES • Zero-based envelope budgeting system • Multiple account support (checking, savings, credit, cash) • Monthly budget periods with easy month-to-month navigation • Budget groups for organized category management • Transaction tracking with payee, date, and category • Credit card budget tracking • iCloud-synced across your devices • Works offline - no internet required to budget • Clean, distraction-free interface • Dark mode support BUDGET ZERO PRO Unlock additional features with an affordable one-time or low-cost subscription - a fraction of what competitors charge. Take control of your money. Download Budget Zero today. About Subscriptions: • Subscription Name: Budget Zero Pro • Subscription Length: 1 Month or 1 Year (Auto-renewable) • Subscription Price: $3.99/month or $19.99/year • Payment will be charged to your iTunes Account at confirmation of purchase. • Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. • Your account will be charged for renewal within 24 hours prior to the end of the current period. • You can manage or turn off auto-renew in your Apple ID Account Settings at any time after purchase. Links: • Privacy Policy: https://sites.google.com/view/budget-zero-privacy-policy • Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Digital Budget4 screens
Budget Zero4 screens

Verdict

The call

The clearest difference is review sentiment: Digital Budget at 100% against Budget Zero's 50%. Digital Budget also leads on rating (5.0 vs 4.2). On price, ratings volume, update cadence and ads 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. Digital Budget sells 3 in-app purchases, starting at $1.99 per month and Budget Zero sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Digital Budget holds the better App Store score, 5.0 against 4.2. Both are backed by a comparable volume of ratings — 6 and 5 respectively. Written reviews point the same way: 100% of Digital Budget's written reviews are positive against 50% of Budget Zero's.

UpkeepUpdate frequency

Digital Budget ships an update every 5 days, Budget Zero every 4 days. The most recent releases landed on June 1, 2026 and September 18, 2026 respectively.

Scorecard2 real differences · 8 level
Digital Budget versus Budget Zero: the parameters behind the verdict, then further details
ParameterDigital BudgetBudget Zero
PriceFreeFree
Rating5.0 (6 ratings) — better4.2 (5 ratings)
Positive reviews100.0% of reviews — better50.0% of reviews
Number of ratings6 — better5
Update frequencyEvery 5 daysEvery 4 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS17.0 — better18.0
Further details — not scored
Size6 MB12 MB
Age rating4+4+
DeveloperBryant FosterGrey Park, LLC

Customer experience

Digital Budget

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Budget Zero

All ratings5 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

3 purchases

Digital Budget

Subscriptions2
  • Budget Pass - Monthly7 Days trial$1.991 Month
  • Budget Pass - Yearly7 Days trial$19.991 Year
One-time1
  • Lifetime Unlock$39.99
2 purchases

Budget Zero

Subscriptions2
  • Monthly Subscription1 Month trial$2.991 Month
  • Yearly Subscription1 Month trial$19.991 Year

Questions

Is Digital Budget free?
Digital Budget is free to download, with in-app purchases available.
Is Budget Zero free?
Budget Zero is free to download, with in-app purchases available.
Which has better reviews, Digital Budget or Budget Zero?
Digital Budget is rated higher. Digital Budget averages 5.0 out of 5 from 6 ratings, while Budget Zero averages 4.2 from 5 ratings.
Do Digital Budget or Budget Zero have ads?
Neither Digital Budget nor Budget Zero shows ads.
Which is updated more often, Digital Budget or Budget Zero?
Digital Budget ships an update every 5 days, and Budget Zero every 4 days. Most recently, Digital Budget was updated on June 1, 2026 and Budget Zero on September 18, 2026.

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