0based vs Finances

0based is an AI-powered finance app that actually understands your money. Track personal and business finances in one place — then ask your AI advisor anything. Can I afford to hire? Am I overspending? What's my runway? Get real answers based on your real data. PERSONAL FINANCE Track all your accounts — checking, savings, credit cards, loans. Set budgets by category, track bills and due dates, and let AI spot patterns in your spending you might miss. STARTUP & BUSINESS Monitor your cash position and expenses. Track burn rate and runway. Ask the AI anything about your company finances — it knows your numbers. AI THAT KNOWS YOUR MONEY Ask anything in plain English. The AI analyzes your actual accounts, transactions, and budgets. It remembers your goals across conversations — every interaction builds on the last. SMART INSIGHTS AI-generated insights on your dashboard. Spending spikes, budget alerts, unusual activity — surfaced automatically. SHIELD MODE Not ready to face the numbers? Activate Shield Mode to hide your balances with a single tap. Let the AI surface what matters — insights, alerts, and patterns — so you stay informed without the anxiety. Full visibility when you want it. None when you don't. CONNECTED BANKING Link your bank accounts for automatic transaction sync. Your data updates in real time — no manual entry required. BUILT FOR PRIVACY Sign in with Apple — no email or name collected. Your data is never sold or shared. Export or delete anytime.

How much can you spend today and still make it to payday? Finances answers with one number and shows how it adds up. SAFE TO SPEND TODAY Your account balances minus a protected reserve and every planned payment before your next income. Below it, a daily guide. If payments exceed your money, the app tells you by which date and how much you need to receive to pay everything on time. LOG IT IN TWO SECONDS "Coffee 4 from card #work" — the amount, account, category and tags sort themselves out, and "Taxi 12+8" adds up. By voice, by the QR code on a Russian receipt, with Siri, from Control Center or with one tap in a Home Screen widget. A PLAN THAT RUNS ITSELF Payments and income with any repeat: daily, on chosen weekdays, every few weeks, quarterly or yearly. Salary in two installments. A payment can record itself, and a limit can carry its remainder into next month. Start the budget month on payday if you like. A Plan calendar and a 3-, 6- or 12-month forecast. REMINDERS THAT DON'T NAG "Internet — $15, tomorrow" with a Paid button right in the notification, Received on payday, a day summary, limits running low, a subscription that got more expensive. All of them are opt-in. GOALS AND A WANT-TO-BUY LIST Goals with a savings plan: on the day, tap Saved it right in the notification. Next to them, a list of things you want, each showing from which day it won't get in the way of your payments. LOANS, INVESTMENTS AND NET WORTH Cards, cash, deposits, loans and money you lent or borrowed, all on one screen, with this month's change. A loan, mortgage or installment plan with its terms: marking a payment Paid in Plan reduces the debt, interest is shown separately, and a prepayment is worked out in advance — how much sooner the loan ends and how much you keep. Brokerage and deposit accounts show their return separately from top-ups, and savings accounts and deposits with a rate calculate interest on each day's balance and record it once a month. Accounts in any currency at central bank rates. Widgets, search and export. PRIVATE BY DESIGN No tracking, no ads, and an account is optional. Your data stays on your device. With sync through your account, records are encrypted on your device, so our server only sees ciphertext. A family budget lives in your iCloud. Face ID lock and hide all amounts with one tap. WITH A FINANCES ACCOUNT Everything above works without an account and with no time limit. A Finances account is the same one as in the web version on any computer. If it includes extended access, sign in and these tools open here: • an assistant for your own numbers: ask in plain words — "how much can I spend per day?", "where did my money go?", "when will my loan be paid off?". It answers from your data, does loan and deposit math, explains money basics and logs transactions for you. It runs right on the device; • detailed analytics for a month, three months or a year: spending pace, categories and subcategories, subscriptions, where you spend, loans and investments for the period, PDF and Excel reports; • bank statement import from PDF, Excel and CSV, plus CoinKeeper, Zenmoney and 1Money exports; duplicates and transfers are checked before anything is saved; • sync across iPhone, iPad, Mac and the web through your account, encrypted on your device, and a family budget. English, Russian, Spanish and German. iPhone and iPad with iOS 18 or later.