TallyDay vs Zero Budget

TallyDay quietly brings together your everyday finances and personal memories in a single space. It does more than just track where your money goes — it holds onto your snapshots, your feelings, and the gentle fragments of life along the way. Attach photos to expenses, write down everyday moments, and move naturally between your financial calendar and diary check-ins. Your records become more than numbers—they become part of your story. EASY, FLEXIBLE MONEY TRACKING • Quickly record income, expenses, categories, dates, notes, and photos • Create automatic entries for recurring costs such as mortgages, insurance, and memberships • Track full or partial expense refunds, with statistics based on the actual amount spent • Review transactions through calendars, category breakdowns, filters, and trend charts • Create multiple ledgers for everyday life, travel, family finances, or other purposes • Import and merge records into a family ledger for a consolidated overview • Add custom image icons to your spending categories IMPORT AND EXPORT Save time by importing common CSV and Excel statement formats instead of entering every transaction manually. TallyDay can identify transaction dates, amounts, income and expenses, and other available details. Duplicate records are detected during import, and you can choose the destination ledger when using multiple ledgers. You can also import and export TallyDay backup files to keep portable copies of your records. CAPTURE EVERYDAY MOMENTS • Write notes with text, photos, videos, moods, and optional locations • Organize entries into collections such as Musings, Exercise, or Year in Review • Customize collection names, colors, symbols, and image icons • Look back through a diary check-in calendar • Review diary days, total word count, and mood patterns • Keep money records and personal notes together without switching between separate apps PRIVACY BY DESIGN TallyDay follows a local-first approach: • Spending records, diary entries, and personal settings are stored on your device by default • No TallyDay account, phone number, or social sign-in is required • No advertising and no third-party analytics SDK • No cross-app tracking or advertising profiles • No independent developer server that centrally stores your financial or diary content • Camera, photo, location, and notification permissions are requested only when you choose to use the related feature • System biometric protection is available, with authentication handled securely by iOS iCloud is entirely optional. When enabled, spending records and diary entries can sync through the private iCloud space associated with your Apple Account. Sync and backup can be managed separately. DESIGNED FOR IPHONE AND IPAD TallyDay supports both iPhone and iPad. The iPad version includes a spacious multi-column layout for viewing lists, statistics, and record details more efficiently. Whether you are organizing everyday spending or saving the small moments that matter, TallyDay offers a calm, clear, and private place to keep them together. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Additional Terms for TallyDay: https://finngra.github.io/tallyday/terms-en.html Privacy Policy: https://finngra.github.io/tallyday/privacy-en.html

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