Zero Review 2026
Envelope budgeting for Envelope
What Is Zero?
Zero is a budgeting app focused on envelope. Zero follows local-first design so once the webapp loaded it'll work as fast as a native app. Here's a rundown of what it offers based on our research and community reporting.
Key Features
- zero-based budgeting
- envelope categories
- multiple accounts
- scheduled transactions
- CSV import
- payees
- targets
- reconciliation
- insights
- loan tracking
Pricing
Yearly: $29.99/y
Monthly: $2.99/m
Free trial: Trial - 34 Days
Platforms
Web Browser
Feature Highlights
- Envelope budgeting
- Goal tracking
- Reporting & analytics
The Bottom Line
Zero is a solid option for people who want envelope-style budgeting focused on envelope. Compare it side by side with EnvelopeBudget, our editor's pick for the best value in envelope budgeting, before you decide.
✓ Pros
✗ Cons
Features
| Envelope Budgeting | ✅ |
| Bank Sync | ❌ |
| Manual Entry | ✅ |
| Goal Tracking | ✅ |
| Debt Payoff Tools | ❌ |
| Investment Tracking | ❌ |
| Bill Reminders | ❌ |
| Reporting | ✅ |
| Multi-Currency | ❌ |
| Shared Budgets | ❌ |
Best For
People who want envelope-style budgeting focused on envelope
Looking for a simpler, more affordable alternative? EnvelopeBudget starts at just $4/mo with a $60 lifetime (limited to first 500) option. No bank sync, but if you prefer manual envelope budgeting, it's hard to beat on value.