Comparison

Budget AI vs Zeroed

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

Head to head
About

Budget AI

Features
Read full description

Take control of your personal finance with Budget AI, the ultimate AI-powered expense tracker and smart money manager. Whether you want to track daily spending, build a monthly budget, or chat with a personal AI financial assistant, Budget AI combines all the tools you need into one beautiful, secure digital wallet. Say goodbye to manual spreadsheet logs and complex financial jargon. Budget AI helps you monitor your cash flow, save money, and achieve financial freedom with real-time insights. SMART AI CHATBOT & FINANCIAL ASSISTANT Get instant answers to your financial questions. Our built-in AI chatbot acts as your personal money manager. • Log transactions naturally just by chatting (e.g., "I spent $15 on lunch"). • Ask for personalized budget advice and saving tips. • Get smart analysis on your monthly spending habits. PRECISION EXPENSE LOG & TRANSACTION TRACKER Keep a flawless record of where your money goes. • Quickly log income, daily expenses, and bills in seconds. • Categorize transactions cleanly with a visual spending tracker. • Monitor your cash flow with elegant, easy-to-read charts and graphs. CUSTOM MONTHLY BUDGET PLANNER Stop overspending and start saving with proactive budget management. • Create custom monthly budgets for groceries, entertainment, utilities, and more. • Receive real-time alerts when you approach your budget limits. • Track your historical budget trends to optimize your wallet over time. GLOBAL CURRENCY CONVERTER Perfect for expats, travelers, and freelancers managing international money. • Access a built-in currency converter with real-time exchange rates. • Manage transactions and accounts in multiple global currencies simultaneously. • Seamlessly track international expenses without manual calculations. SECURE, PRIVATE & MULTI-ACCOUNT MANAGEMENT Your financial data is your business. Budget AI is built with privacy and security at its core. Manage multiple accounts (Cash, Bank, Credit Cards) in one single dashboard. Keep your expense tracker secure with biometric authentication (Face ID/Touch ID). Premium, high-fidelity UI design built for a seamless user experience. Download Budget AI today and experience the future of personal finance management! Budget AI Premium is an auto-renewable subscription: Weekly – price shown in app Monthly – price shown in app Yearly – price shown in app Payment is charged to your Apple ID at purchase confirmation. The subscription auto-renews unless cancelled at least 24 hours before the current period ends. Manage or cancel in your Apple ID Account Settings. Privacy Policy: https://budgetaisupport.onrender.com/ Terms of Use (EULA): https://docs.google.com/document/d/e/2PACX-1vTxT9LpJvlRggtwOl82TYZtsXjNBNrARsFryigdkX6c6nCbArVSL3iH4zwy0ABSLCw5HMHXwwlO9uI7/pub

About

Zeroed

Manage your money effectively with this privacy-focused budgeting app. It utilizes the zero-based budgeting method to assign every dollar a purpose, keeping your financial data securely on your device. Enjoy features like receipt scanning, smart import, and detailed reports without any ads or subscriptions.

Highlights
  • Envelope budgeting
  • Privacy-focused, data stays on device
  • Receipt scanner
  • Smart bank statement import (CSV, PDF)
  • Reports and charts
  • Scheduled transactions
  • Home-screen widgets
Features
Read full description

Take control of your finances with envelope budgeting. Zeroed is a privacy-focused budgeting app that helps you achieve financial freedom using the proven zero-based budgeting method. Every unit of money gets a job. PRIVACY FIRST Your financial data stays on YOUR device. We never see your transactions. Your budget file is encrypted with AES-256 using a password only you know. OPTIONAL CLOUD SYNC Sync across devices using YOUR personal Google Drive. We only access files we create. POWERFUL FEATURES - Envelope budgeting: assign every unit of money to a category - Multiple accounts: current, savings and credit cards - Receipt scanner: snap a photo to add transactions - Smart import: bank statements (CSV, PDF) - Reports and charts - Scheduled transactions for recurring bills - Home-screen widgets: safe-to-spend and envelope balances at a glance - Dark and light themes NO SUBSCRIPTION — EVER Everything is free for 34 days. After the trial, a single one-time lifetime license keeps the whole app unlocked forever. If you decide not to buy, your data stays readable and exportable — it is never held hostage. YOUR DATA, YOUR CONTROL Local-first, encrypted on device, no ads, no tracking, export any time.

Screenshots

Budget AI4 screens
Zeroed4 screens

Verdict

The call

The clearest difference is update cadence: Zeroed at weekly against Budget AI's monthly. Budget AI's advantage is iOS requirement (13.0 vs 15.5). On price, ads, in-app purchases 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 AI sells 3 in-app purchases, starting at $2.99 per 7 days and Zeroed sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Budget AI ships an update monthly, Zeroed weekly. The most recent releases landed on November 9, 2026 and October 31, 2026 respectively.

Scorecard2 real differences · 7 level
Budget AI versus Zeroed: the parameters behind the verdict, then further details
ParameterBudget AIZeroed
PriceFreeFree
Rating—5.0 (1 ratings) — better
Number of ratings—1 — better
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesYesYes
Monetization—Free with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.5
Further details — not scored
Size137 MB106 MB
Age rating4+4+
DeveloperWixpa LLCStillware Ltd

In-app purchases

3 purchases

Budget AI

Subscriptions3
  • Weekly Premium$2.997 Days
  • Monthly Premium$9.991 Month
  • Yearly Premium$24.991 Year
1 purchases

Zeroed

One-time1
  • Zeroed - Offline Budget Planner$19.99

Questions

Is Budget AI free?
Budget AI is free to download, with in-app purchases available.
Is Zeroed free?
Zeroed is free to download, with in-app purchases available.
Do Budget AI or Zeroed have ads?
Neither Budget AI nor Zeroed shows ads.
Which is updated more often, Budget AI or Zeroed?
Budget AI ships an update monthly, and Zeroed weekly. Most recently, Budget AI was updated on November 9, 2026 and Zeroed on October 31, 2026.

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