Allot vs Zero Budget

Every dollar gets a job. Allot is a zero-based budgeting app with no subscription — free to download, $11.99 unlocks every feature forever. Built for people who left YNAB when it went to $109/year, want envelope-style budgeting without a monthly bill, and don't want to hand their bank logins to a third party. Family Sharing is included — your spouse downloads, you pay $11.99 once for the household. WHY ALLOT? — Free download. $11.99 one-time unlocks every feature, forever. — No bank login. You categorize manually so your data stays on-device. — Zero-based budgeting — every dollar of income gets assigned a job. — Goals, debt-paydown plan, recurring-charges tracker built in. — Family Sharing — one purchase covers your whole household. WHAT YOU GET — Build a monthly budget where every dollar has a job — Track net worth and cash flow at a glance — Set goals (emergency fund, trip, anything) and watch progress — Plan debt-free dates with snowball/avalanche math — See every recurring charge in one place — Multiple budgets supported WHAT YOU DON'T GET — No subscription — No bank login required — No social features — No ads — No analytics — No Android (yet) Built solo. The pitch is simple — you should be able to budget without paying $109/year. $11.99 once unlocks everything. That's it.

Most money apps tell you what you already spent. Zero asks a better question: what is this money actually for? Zero Budget is a zero-based budgeting app for your household, whether that is you, you and a partner, or a whole family. At the start of the month you give every dollar a job: rent, groceries, the insurance bill that lands in March. When all of it has a place, you are at zero, and there is nothing left to wonder about. ZERO-BASED BUDGETING • Plan the month before it starts, down to the last dollar • Move money between lines when real life wins a round • A weekly check-in that takes minutes, not an evening ADD A PURCHASE IN SECONDS • Tap the plus and say it: "42 at Costco into groceries" • Or snap the receipt and Zero reads the total, the store and the date • Both happen on your phone: your voice is never sent anywhere and the photo is never uploaded SINKING FUNDS • Car repairs, insurance, the holidays, a laptop that will eventually die • Put a little aside each month; the balance carries forward instead of resetting on the first • The big bills stop ambushing you DEBT PAYOFF • Enter the balance, the rate and the minimum payment • See a payoff date that moves as you pay it down BANK SYNC • Connect a bank in the United States or Canada and let transactions arrive on their own • Or enter them yourself • Rules learn the merchants you see every week and file them for you HOUSEHOLD SHARING • Budget on your own, or share one budget with your partner or household • Everyone sees the same numbers at the same time • One price per household, never a charge per partner REPORTS AND NET WORTH • What came in, what went out, where it went • A six month trend so you can tell whether things are getting better • Net worth brings your accounts, assets and debts into one number PRICING • Free: plan a month and enter transactions by hand, no card, no time limit • Zero Premium adds voice and receipt capture, automatic bank sync, rules that categorize for you, reports, net worth, paycheck planning, CSV import and export, and the shared household budget • Premium is US$10 a month or US$96 a year (CA$14 a month or CA$129 a year in Canada), shown in your local currency before you buy • One subscription covers the whole household • New subscribers can start a 14-day free trial of everything, bank sync included. A card is on file and the trial renews unless cancelled; cancel and the free plan keeps working with no time limit Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. You can manage subscriptions and turn off auto-renew in your Apple Account settings. Privacy Policy: https://zerobudget.ca/privacy Terms of Use: https://zerobudget.ca/terms