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? 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. Sinking funds are the part people stay for. Car repairs, insurance, the holidays, a laptop that will eventually die. Put a little aside each month and the balance carries forward instead of resetting on the first, so the big bills stop ambushing you. Debt lives in the same place as everything else. Enter the balance, the rate and the minimum payment, and you get a payoff date that moves as you pay it down. Connect a bank and let transactions arrive on their own, or type them in yourself. Neither one is a lesser version of the app. Either way, rules learn the merchants you see every week and file them for you. Budget on your own, or invite one other person and you will both be looking at the same numbers at the same time. Most arguments about money start with two people holding different information. At the end of the month the reports are blunt about it: what came in, what went out, where it went, and a six month trend so you can tell whether things are genuinely getting better. Zero is free for 30 days. No card, no reminders to upgrade while you are still deciding. After that there are two plans. Basic includes everything you have read about here. Premium adds one thing: an automatic connection to your bank. Prices are shown in the app in your local currency before you buy anything. 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