Budget Zero vs Zero Dollar Budget
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Zero-based envelope budgeting
- Manual transaction logging
- No bank account linking
- Private and secure
- Offline functionality
- Monthly budget periods
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The budgeting app that respects your wallet AND your privacy. Budget Zero uses zero-based envelope budgeting to give every dollar a job, without linking your bank account or tracking your data. Try Budget Zero Pro free for a month, or pay once with Lifetime and skip the subscription. 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 leftover money that rolls into next month 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 • Import your budget from YNAB: accounts, categories, transactions and balances • Multiple account support (checking, savings, credit, cash) • Monthly budget periods with easy month-to-month navigation • Rollover: unspent money carries into the next month, and you can move it to another budget • Budget groups for organized category management • Transaction tracking with payee, date, and category, plus transfers between accounts • Budgets filled in from each payee's last transaction • Credit card payment budgets that keep card spending covered • iCloud-synced across your devices • Works offline - no internet required to budget • Clean, distraction-free interface • Dark mode support BUDGET ZERO PRO Pro unlocks unlimited budgets, accounts and transactions. Start with a free month on the monthly or yearly plan, or buy Lifetime once and keep Pro forever. Either way, it costs a fraction of what other budgeting apps 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: shown in your local currency on the App Store before purchase • Free Trial: the monthly and yearly plans start with a 1-month free trial for eligible new subscribers. Unless you cancel at least 24 hours before the trial ends, the subscription starts and renews automatically. • Lifetime: a one-time purchase that unlocks Budget Zero Pro permanently. It does not renew. Price shown in your local currency on the App Store before purchase. • Payment will be charged to your Apple 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 Account Settings at any time after purchase. Links: • Privacy Policy: https://budgetzeroapp.com/privacy • Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Zero Dollar Budget
This app helps you manage your finances using a zero-based budgeting method. Plan every dollar, track your spending in real-time, and collaborate on a shared budget with your partner. Export your data and customize categories to fit your financial needs.
- Zero-based budgeting
- Real-time spending tracking
- Shared budget with partner
- Customizable categories
- Budget export (CSV/PDF)
- Offline functionality
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Free zero-based budgeting for you and your partner. Want it automatic? Bank Sync imports transactions straight from your bank. Terms of Use: https://www.zerodollarbudget.com/terms
Screenshots
Verdict
The clearest difference is rating: Zero Dollar Budget at 5.0 against Budget Zero's 4.3. Budget Zero's advantage is ratings volume (6 vs 2). On price, update cadence, ads and in-app purchases 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
Both are free to download. Budget Zero sells 3 in-app purchases, starting at $3.99 per month and Zero Dollar Budget sells 4 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.
Zero Dollar Budget holds the better App Store score, 5.0 against 4.3. Both are backed by a comparable volume of ratings — 6 and 2 respectively.
Budget Zero ships an update every 3 days, Zero Dollar Budget every 4 days. The most recent releases landed on October 27, 2026 and October 24, 2026 respectively.
| Parameter | Budget Zero | Zero Dollar Budget |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (6 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 75.0% of reviews | — |
| Number of ratings | 6 — better | 2 |
| Update frequency | Every 3 days — better | Every 4 days |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18.0 | 18.0 |
| Further details — not scored | ||
| Size | 21 MB | 52 MB |
| Age rating | +4 | 4+ |
| Developer | Grey Park, LLC | Alex Deutz |
Customer experience
Budget Zero
Zero Dollar Budget
In-app purchases
Budget Zero
- Monthly Subscription1 Month trial$3.991 Month
- Yearly Subscription1 Month trial$29.991 Year
- Lifetime Access$79.99
Zero Dollar Budget
- Premium Monthly14 Days trial$4.991 Month
- Premium (Monthly)14 Days trial$14.991 Month
- Premium Annual$39.991 Year
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- Premium (Annual)$149.991 Year
Questions
Is Budget Zero free?
Is Zero Dollar Budget free?
Which has better reviews, Budget Zero or Zero Dollar Budget?
Do Budget Zero or Zero Dollar Budget have ads?
Which is updated more often, Budget Zero or Zero Dollar Budget?
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