PiggySpy vs Zero Budget

PiggySpy turns tracking your money into detective work — and it stays out of your way while doing it. ADD AN EXPENSE IN THREE TAPS A numeric keypad with a built-in calculator. Type 12+8, pick a category, done. SEE WHERE IT GOES A donut chart by category for any period: day, week, month, year or a custom range. Charts for spending over time, income against expenses and money flow. A REPORT THAT WATCHES THE MONTH A month-end forecast, a comparison with your typical month and your spending pace. Categories that stray from the usual stand out at once — and any category can carry a monthly limit. SAVINGS, KEPT SEPARATE Mark a category as savings — bonds or a deposit stop counting as spending and get their own place on the home screen, in the report and on the charts. SHARE AN ACCOUNT Run a household budget with someone else. Both of you see and add entries on the same account, using the same categories, so the totals always agree. Your other accounts stay private. BRING YOUR HISTORY WITH YOU Import a CSV from another app — PiggySpy proposes the column mapping and creates missing categories. Export back to CSV or paste straight into a spreadsheet. MADE FOR EVERY DAY Multiple accounts. Recurring payments added automatically. Face ID lock. Themes and colours you can adjust. Available in English, Polish, German, Spanish, French, Italian, Portuguese, Japanese and Chinese. YOUR DATA IS YOURS Everything lives on your device and in your private iCloud. There is no PiggySpy server, no account to create, no ads and no tracking. We cannot see your finances — nobody can. FREE, WITH AN OPTIONAL TIP Every feature above is free forever. If PiggySpy earns its keep, you can support it — supporters get an alternate app icon, True Black mode, extra themes and shared accounts. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://github.com/sucre06/PiggySpy-assets/blob/main/privacy-policy.md

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