Private, open-source budgeting in the browser with end-to-end encryption
- Zero-based
- Expense tracking
- Couples & families
Zero
Zero-based household budgeting with sinking funds and debt payoff on web and iPhone
Status unclearClosest match found is Zero Budget at zerobudget.ca; this listing may be the same product as the Zero Budget listing. Similarly named apps such as budgetzero and Zeroed are unrelated.
Status unclear. We could not verify that this product is actively maintained or what it currently offers.
Research-based review, not hands-on testing. Last researched .
Overview
Zero Budget (zerobudget.ca) is a zero-based budgeting app where each dollar is assigned before spending, with sinking funds that roll over and a built-in debt payoff tracker. Manual budgeting is free without a time limit; a paid tier adds reports, CSV import/export, household sharing and Plaid bank sync in the US and Canada. It runs in browsers and has an iPhone app; Android is not out yet.
Best for: Couples or households who want a zero-based plan with sinking funds and optional bank sync in the US or Canada
Pros and cons
Pros
- Free tier allows full manual zero-based budgeting with no time limit
- Sinking funds carry balances forward month to month
- Debt payoff tracking with balance, rate and minimum payment is included
- One price per household with shared budget access, no per-seat fee
- Native iPhone app plus a browser version that installs as a PWA
Cons
- Bank sync, reports, net worth history, CSV import/export and sharing are paywalled behind Premium
- Android app not yet released; Android users rely on the browser PWA
- Website and App Store disagree on trial length (14 vs 30 days) and plan structure
- Bank sync only covers the US and Canada
- Trial requires a card upfront on the website
Features
- Envelope budgeting not confirmed not confirmed
- Automatic bank sync included
- Manual transaction entry included
- Goal tracking included
- Debt payoff tools included
- Investment tracking not confirmed not confirmed
- Bill reminders not confirmed not confirmed
- Reports & charts included
- Multi-currency not confirmed not confirmed
- Shared / household budgets included
- Separate logins for shared budgets not confirmed not confirmed
Zero-based planning, sinking funds, debt payoff, manual and bank-imported transactions, auto-categorise rules, household sharing, reports, net worth, CSV import/export, voice/receipt entry (iOS)
Our review
Short version
Zero Budget (zerobudget.ca) is a zero-based budgeting app where each dollar is assigned before spending, with sinking funds that roll over and a built-in debt payoff tracker. Manual budgeting is free without a time limit; a paid tier adds reports, CSV import/export, household sharing and Plaid bank sync in the US and Canada. It runs in browsers and has an iPhone app; Android is not out yet.
Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.
Status: The best-matching product is Zero Budget at zerobudget.ca (web app plus iPhone app 'Zero Budget: Money Planner' by Harman Sharda), live as of Sep 2026.
Cost
- $10 USD/month (Canadian customers charged in CAD)
- $8 USD/month billed yearly (about $96/year, computed from the stated monthly rate)
- Trial: 14-day free trial of paid features on the website (card captured upfront); App Store text says 30 days free
Not confirmed
founded year; App Store rating and release date; multiple budgets; envelope budgeting; investment tracking; multi-currency; bill reminders; developer team size.
Notes
Other unrelated apps also use similar names (budgetzero, Zeroed, Budget Planner App - Zero).
Ratings are set separately against a shared rubric.
Zero alternatives
Free web-based zero-based budgeting for manual entry, installable on phones
- Zero-based
- Expense tracking
- Forecasting
Envelope budgeting with Plaid bank sync on web and iPhone
- Envelope
- Zero-based
- Expense tracking