Ambagan vs Zero

Who’s the Boss? Ambagan empowers you to manage group expenses, split bills, and track shared budgets with family and friends—making every calculation collaborative and rewarding. Experience a quick and intuitive way to split bills, manage contributions, and assign responsibilities—equally or with custom options—so everyone participates and feels valued. Ambagan automatically converts and adapts to your local currency, giving you the confidence to shop, budget, and manage group finances transparently wherever you are. Convenience is always within reach. Whether you’re traveling, shopping, or coordinating group expenses, Ambagan simplifies calculations, tracks spending, and keeps everyone informed in real time. Download Ambagan today to experience seamless, stress-free group transactions, clear expense tracking, and smarter budgeting—anywhere in the world.

A finance tracker that understands everyday language. Type what you spent, earned or paid, and see your money come together—from daily expenses to your full net worth. LOG IT LIKE YOU’D SAY IT Type “coffee 180 gcash” or “grab 250 yesterday”. Zero picks out the amount, category, account and date, then lets you review the entry before saving. Scan a receipt or choose a photo to fill in the details. For quicker access, start an entry from a widget, Control Center or Shortcuts. ASK YOUR MONEY “How much did I spend on food last month?” Get a clear answer from your own records, with the entries behind it. No digging through transactions or adding things up yourself. ALL YOUR ACCOUNTS, TOGETHER Track cash, banks, e-wallets, credit cards, loans, investments and assets in any currency. Recognizable bank logos and card designs make accounts easy to find, while your net worth brings the bigger picture into view. KNOW WHAT’S AHEAD • Monthly and weekly budgets with carryover and a daily spending allowance • Bills, paydays and recurring entries, with reminders before they’re due • Savings goals with estimated completion dates • Installment plans, repayments and money owed in either direction • A balance forecast to help you plan beyond today SEE WHERE IT WENT Understand your spending with category breakdowns, income, savings and comparisons over time. Share a report as a PDF or export your entries to CSV. MAKE IT YOURS Choose a color theme, pick an app icon and arrange your Home screen around what matters to you. Enjoy Zero in light or dark mode. PRIVATE BY DESIGN • No sign-up, ads or tracking • Works offline, with your records stored on your device • Optional sync through your own iCloud • Face ID or Touch ID protection • Hide your amounts with a tap BUY ONCE. KEEP IT ALL.