zero vs EXPND

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.

EXPND is a simple way to keep track of your money, and it all stays on your phone. There's no account to create, no cloud, and no ads. Add what you earn and what you spend, move money between accounts, and see what you're actually left with. Fast entry. Adding a transaction takes a few seconds. Accounts. Cash, bank, cards, and transfers between them. Budgets. Set a monthly limit per category and watch it through the month. Savings goals. Pick a target and track your progress towards it. Recurring transactions. Rent, salary and subscriptions get entered once. Analytics. Charts that show where your money actually went. Receipts. Attach a photo to any transaction. Widget. Your net balance on the home screen. EMI calculator. Work out loan repayments. Face ID lock, so nobody else can open it. CSV export and import, so you can take your data with you. The app works offline. There are no servers, no analytics, and nothing is tracked.