zero vs Zero

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.

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.