100% private expense tracking
Zero-based budgeting, credit cards with installments & BNPL, a spending Heatmap and savings goals. No servers. No accounts.
Download on the App StoreFree · 30 days of Pro included · No card, no sign-up
Unlike other finance apps, ZeroBudget doesn't connect to your bank, doesn't sync to the cloud and doesn't share your data with anyone. Everything lives on your iPhone, protected by iOS.
Spending Heatmap
A visual map of all your spending: every category is a block — its size is how much you spent, its color tells you if you're on track or over. A 3-second glance replaces half an hour of spreadsheets.
Zero-Based Budgeting
Assign your income to categories with the 50/20/20/10 rule — Needs, Savings, Wants and Debt — before the month begins. Nothing is left "unassigned": you don't just log expenses, you know if you're heading where you want to go.
Credit cards
Log a buy-now-pay-later purchase once and the app creates each monthly charge in the month it belongs to. Statement cutoff and payment dates are calculated automatically, with per-cycle balances: you know exactly what's coming on your next statement — and how many months you've already committed.
Few apps in the world handle installments like this. ZeroBudget was born with them.
Smart capture
Scan a receipt and the app pulls out the amount for you. Type "Walmart" and it suggests the category, the account, even whether it was an installment — it learns from your habits. Or skip the app entirely: "Hey Siri, add a 500 grocery expense."
Family finances New
Supplementary family card? Whoever uses it exports their transactions and sends them via AirDrop or Mail. Whoever pays the statement opens them with ZeroBudget and imports them into their own card, with their own categories. No cloud, no shared accounts — the file travels straight from one iPhone to the other.
Smart analytics
Where your money went, monthly projection, budget alerts, top spending, category trends and savings opportunities. The data you need to decide — before the money is gone.
Group expenses New
Split a dinner, rent, or any expense equally or by person. Keep track of who owes you and settle up with one tap — no extra apps, no shared accounts, no cloud. Everything lives on your iPhone.
Shopping mode New
Build the list at home and pick what you are buying this time. In the store, Shopping Mode adds up the cart as you check items off and tells you how much is left of that budget category — with the total on the Lock Screen and in the Dynamic Island, without opening the app. When you are done, the trip is recorded as an expense with its receipt, and every item remembers its last price.
Built with care, for everyday use.
Dedicated account, visual progress, contributions at your pace. Emergency fund, a trip — whatever you're saving for.
CSV, Excel or TXT — columns are detected automatically. Hundreds of transactions in seconds.
Rent, subscriptions, payroll: they log themselves on their date, with optional reminders.
Log by voice without opening the app, and check your budget from your home screen.
Designed dark-first, beautiful in light. Follows your system.
Spanish, English, French, Portuguese, Japanese and Korean. With your local currency.
When you install, you get every Pro feature free for 30 days — no card, no sign-up. When it ends, you keep using ZeroBudget for free.
Free, forever
Everything you need to get started
Monthly or annual subscription
For next-level analysis
Designed for people who take their finances — and their privacy — seriously.
Swipe to explore every screen.
What everyone asks before downloading.
Download ZeroBudget free and try every Pro feature for 30 days. No card. No accounts. No fine print.
Download on the App Store