How to track your monthly expenses without spreadsheets

A method built on four habits

1. Log the expense the same day. Waiting until the end of the month makes you forget the small ones.
2. Give it a category. Without categories you can't tell where the money goes.
3. Compare against your budget. A total with no reference doesn't tell you whether you're doing well or badly.
4. Review once a week. Five minutes is enough to spot a category that's running over.

Expenses that repeat

Rent, subscriptions and utilities repeat every month. In ZeroBudget you set them up once as recurring and they log themselves at the frequency you choose, from weekly to yearly.

See it at a glance

The ZeroBudget Heatmap colors each category according to how much of its budget you've spent. A red category has already gone over plan, and you can see it without reading a single table.

Everything works offline and without creating an account, so your expenses stay on your iPhone.

Keep reading

• How to build a zero-based budget
• How to organize multiple credit cards
• How to keep track of interest-free installments
• Expense tracker apps for iPhone without the cloud