Comparison

Budget Zero vs Bi Budget

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

Head to head
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 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/

About

Bi Budget

Manage your finances with confidence using this budgeting app. It supports biweekly, semi-monthly, or monthly income schedules, allowing you to create personalized budgets that align with your paychecks. Track income and expenses, categorize transactions, and monitor your progress towards savings goals.

Highlights
  • Biweekly, semi-monthly, or monthly income budgeting
  • Personalized budget creation
  • Income and expense tracking
  • Transaction categorization
  • Spending habit monitoring
  • Savings goal setting
  • Clear financial summaries
Features
Read full description

Take Control of Your Money with Bi-Budget Bi-Budget is a simple and powerful budgeting app designed to help you manage your finances with confidence. Unlike many budgeting apps, Bi-Budget is built to support biweekly budgeting, making it easy to plan your finances around every paycheck—not just a traditional monthly budget. Whether you’re paid biweekly, semi-monthly, or monthly, Bi-Budget lets you choose the income schedule that matches your paycheck, creating a budgeting experience that works the way you get paid. No more forcing your finances into a one-size-fits-all monthly budget. Features • Budget around biweekly, semi-monthly, or monthly income • Create personalized budgets that fit your financial goals • Track income and expenses in one organized place • Categorize transactions for better spending insights • Monitor your spending habits and budget progress over time • Set savings goals and stay motivated as you reach them • View clear financial summaries with an intuitive, easy-to-use interface Whether you’re budgeting your first paycheck or looking for a smarter way to manage your money, Bi-Budget helps you stay organized, reduce financial stress, and build better financial habits. Download Bi-Budget today and experience a budgeting app that’s built around your paycheck—not the calendar.

Screenshots

Budget Zero4 screens
Bi Budget4 screens

Verdict

The call

The clearest difference is rating: Bi Budget at 5.0 against Budget Zero's 4.3. Bi Budget also leads on in-app purchases (none vs 3) and iOS requirement (15.1 vs 18.0). Budget Zero's advantage is update cadence (every 3 days vs fortnightly) and ratings volume (6 vs 2). On price, ads and device support 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. Budget Zero sells 3 in-app purchases, starting at $3.99 per month. Bi Budget asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Bi 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.

UpkeepUpdate frequency

Budget Zero ships an update every 3 days, Bi Budget fortnightly. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

Scorecard6 real differences · 4 level
Budget Zero versus Bi Budget: the parameters behind the verdict, then further details
ParameterBudget ZeroBi Budget
PriceFreeFree
Rating4.3 (6 ratings)5.0 (2 ratings) — better
Positive reviews75.0% of reviews—
Number of ratings6 — better2
Update frequencyEvery 3 days — betterFortnightly
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.015.1 — better
Further details — not scored
Size21 MB141 MB
Age rating4+4+
DeveloperGrey Park, LLCGiovanni Faranda

Customer experience

Budget Zero

All ratings6 ratings
Positive83.3%
Neutral0.0%
Negative16.7%
Written reviews4 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

Bi Budget

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

Budget Zero

Subscriptions2
  • Monthly Subscription1 Month trial$3.991 Month
  • Yearly Subscription1 Month trial$29.991 Year
One-time1
  • Lifetime Access$79.99
None

Bi Budget

No in-app purchases

Questions

Is Budget Zero free?
Budget Zero is free to download, with in-app purchases available.
Is Bi Budget free?
Bi Budget is free to download, with no in-app purchases.
Which has better reviews, Budget Zero or Bi Budget?
Bi Budget is rated higher. Budget Zero averages 4.3 out of 5 from 6 ratings, while Bi Budget averages 5.0 from 2 ratings.
Do Budget Zero or Bi Budget have ads?
Neither Budget Zero nor Bi Budget shows ads.
Which is updated more often, Budget Zero or Bi Budget?
Budget Zero ships an update every 3 days, and Bi Budget fortnightly. Most recently, Budget Zero was updated on November 5, 2026 and Bi Budget on October 31, 2026.

Other comparisons