MoneyTurtle vs Zero Budget

The private way to know exactly where your money goes. MoneyTurtle is a simple, beautiful expense tracker and net-worth companion built around one principle: your financial data belongs to you — and only you. PRIVACY FIRST — YOUR DATA NEVER LEAVES YOUR SPACE Unlike most finance apps, MoneyTurtle has no servers, no accounts on our side, and no data collection. Everything you enter stays on your iPhone. If you turn on sync, it goes through your own personal iCloud account — encrypted, in your private space, invisible to us and to anyone else. We couldn't see your data even if we wanted to. There is nothing to sell, leak, or analyze. TRACK YOUR SPENDING, EFFORTLESSLY Add an expense in seconds. See what you spent this month, what came in, and what's left — at a glance. Browse your history by day or on a monthly calendar, and organize everything with fully customizable categories and subcategories. WATCH YOUR WEALTH GROW Log your savings, investments, crypto, and loans month by month, and MoneyTurtle turns them into a clear net-worth picture over time. Charts show your progress, not just your spending. UNDERSTAND YOUR HABITS Analytics break down where your money goes by category and over time, so patterns show up before they become problems. MADE FOR IPHONE • Home Screen widgets keep your month at a glance • Lock the app behind Face ID • Light and dark appearance • Multiple currencies • Export your data anytime — it's yours, take it anywhere • Optional iCloud sync across your devices, using your account, your space No subscriptions to your data. No tracking. No ads. Just you and your money.

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