why budget zero
a plan for every dollar.
Budget Zero is envelope budgeting made simple. Tell it what you have, give every dollar a job, and see what’s left in each budget at a glance. No bank login, no account, no ads. Just you, your plan and your own iCloud.
budget the zero-based way
give every dollar a job
Assign the money you have to budgets until “ready to assign” hits $0. Then every dollar has a plan, not just the bills.
targets and due dates
Set what each budget needs and when, like $1,400 rent by the 1st, and watch the progress bar fill as you fund it.
groups that fit your life
Organize budgets into groups like bills, everyday and savings, with your own icons and colors.
track spending without the busywork
log spending in seconds
Add a transaction in a few taps. Budget Zero suggests payees you’ve used before, so repeat purchases are quicker still.
every kind of account
Track checking, savings, cash and credit cards, and move money between them with transfers.
manual on purpose
Entering spending yourself means you notice it. No surprise imports, no miscategorised bank feeds to clean up.
private by design
no bank linking
Budget Zero never asks for your bank login. Your balances are what you tell it, nothing more.
your own iCloud
No Budget Zero account to create. Your budget stays on your devices and syncs through your private iCloud. read about privacy.
Face ID lock
Turn on Face ID so your budget stays private, even when someone else is holding your phone.
on all your apple devices
iPhone, iPad and Mac
Log a coffee on your phone, plan the month on your iPad or Mac. Everything stays in sync.
works offline
Budget and record spending with no connection. iCloud catches up when you’re back online.
in five languages
English, Spanish, French, German and Italian.
free to start, pro when you’re ready
| plan | free | pro |
|---|---|---|
| budgets | unlimited | unlimited |
| accounts | 1 | unlimited |
| transactions | up to 20 | unlimited |
| iCloud sync, Face ID | yes | yes |
| price | free | $3.99 a month, $29.99 a year, or $79.99 once. Subscriptions start with a 1-month free trial. |
Many budgeting apps cost $80–$110 a year. See how Budget Zero compares with YNAB, including what it doesn’t do yet.
start your budget today
Free to download. No account, no bank login.
download on the app store