Switching from YNAB? Bring your budget with you: accounts, categories and history in about a minute. Private envelope budgeting, no bank linking, works offline.
The budgeting app that respects your wallet AND your privacy.
Budget Zero uses zero-based envelope budgeting to give every dollar a job, without linking your bank account or tracking your data. Try Budget Zero Pro free for a month, or pay once with Lifetime and skip the subscription.
WHY BUDGET ZERO?
• Affordable - A fraction of the cost of other budgeting apps.
• Private - No bank linking. No data selling. Your finances stay yours.
• Simple - Manual entry keeps you mindful of every transaction
• Powerful - Full envelope budgeting, with leftover money that rolls into next month
HOW IT WORKS
1. Add your accounts (checking, savings, credit cards, cash)
2. Create budget categories and organize them into groups
3. Assign dollars to each category every month
4. Log transactions and watch your budget update in real time
5. Reach zero - every dollar has a job
FEATURES
• Zero-based envelope budgeting system
• Import your budget from YNAB: accounts, categories, transactions and balances
• Multiple account support (checking, savings, credit, cash)
• Monthly budget periods with easy month-to-month navigation
• Rollover: unspent money carries into the next month, and you can move it to another budget
• Budget groups for organized category management
• Transaction tracking with payee, date, and category, plus transfers between accounts
• Budgets filled in from each payee's last transaction
• Credit card payment budgets that keep card spending covered
• iCloud-synced across your devices
• Works offline - no internet required to budget
• Clean, distraction-free interface
• Dark mode support
BUDGET ZERO PRO
Pro unlocks unlimited budgets, accounts and transactions. Start with a free month on the monthly or yearly plan, or buy Lifetime once and keep Pro forever. Either way, it costs a fraction of what other budgeting apps charge.
Take control of your money. Download Budget Zero today.
About Subscriptions:
• Subscription Name: Budget Zero Pro
• Subscription Length: 1 Month or 1 Year (Auto-renewable)
• Subscription Price: shown in your local currency on the App Store before purchase
• Free Trial: the monthly and yearly plans start with a 1-month free trial for eligible new subscribers. Unless you cancel at least 24 hours before the trial ends, the subscription starts and renews automatically.
• Lifetime: a one-time purchase that unlocks Budget Zero Pro permanently. It does not renew. Price shown in your local currency on the App Store before purchase.
• Payment will be charged to your Apple Account at confirmation of purchase.
• Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period.
• Your account will be charged for renewal within 24 hours prior to the end of the current period.
• You can manage or turn off auto-renew in your Apple Account Settings at any time after purchase.
Links:
• Privacy Policy: https://budgetzeroapp.com/privacy
• Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
My issue is always sticking with a budget. This one has kept me engaged and I really like the zero based budget approach. Works great for what I need!
Developer Response
Thank you for the positive feedback! I'm working hard to continue improving the app and please reach out for any support or questions.
Perfect for me
MissMiami2000
Really loving the simplicity and look of the app. Makes getting my regular budgeting done pretty easy.
Developer Response
Thanks so much for the review! Glad you are enjoying the app!
helpful
CoffeeMe1
simple budgeting app. not complicated and just lets me manually handle things
Developer Response
Thank you for the positive review!
paywall/subscription..
Taylorrr_1
it has monthly or yearly subscription like any other budget app :( I thought there would be a one time lifetime option at least! I will just use free apps instead or free version of other popular budget apps. every app now is turning to ai and never ending subscriptions. Disappointing.
Developer Response
Thank you for the feedback! As of version 1.5, Budget Zero Pro has a one-time Lifetime purchase: pay once and it’s yours for good, no subscription. Monthly and yearly plans are still there if you prefer them. Budget Zero also never links to your bank or sells your data. If you’d like to give it another try, update to 1.5 and pick Lifetime on the upgrade screen. I'd love to hear what you think. Thank you!
Budget Zero 1.9.2 fixes a bug with clearing your data.
• "Clear all data" now deletes your budgets, accounts and transactions from iCloud too, not just from this device. Before, they could sync back after you reinstalled the app. Settings now shows when iCloud has confirmed the deletion.
Thanks for budgeting with Budget Zero!
Version 1.9.2
The developer, Grey Park, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Grey Park LLC
Size
22.4 MB
Category
Finance
Compatibility
Requires iOS 18.0 or later.
iPhone Requires iOS 18.0 or later.
iPad Requires iPadOS 18.0 or later.
Mac Requires macOS 15.0 or later and a Mac with Apple M1 chip or later.
