Zero Budget: Money Planner
Track Spending, Save, Pay Debt
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Most money apps tell you what you already spent. Zero asks a better question: what is this money actually for?
At the start of the month you give every dollar a job. Rent, groceries, the insurance bill that lands in March. When all of it has a place, you are at zero, and there is nothing left to wonder about.
Sinking funds are the part people stay for. Car repairs, insurance, the holidays, a laptop that will eventually die. Put a little aside each month and the balance carries forward instead of resetting on the first, so the big bills stop ambushing you.
Debt lives in the same place as everything else. Enter the balance, the rate and the minimum payment, and you get a payoff date that moves as you pay it down.
Connect a bank and let transactions arrive on their own, or type them in yourself. Neither one is a lesser version of the app. Either way, rules learn the merchants you see every week and file them for you.
Budget on your own, or invite one other person and you will both be looking at the same numbers at the same time. Most arguments about money start with two people holding different information.
At the end of the month the reports are blunt about it: what came in, what went out, where it went, and a six month trend so you can tell whether things are genuinely getting better.
Zero is free for 30 days. No card, no reminders to upgrade while you are still deciding.
After that there are two plans. Basic includes everything you have read about here. Premium adds one thing: an automatic connection to your bank. Prices are shown in the app in your local currency before you buy anything.
Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. You can manage subscriptions and turn off auto-renew in your Apple Account settings.
Privacy Policy: https://zerobudget.ca/privacy
Terms of Use: https://zerobudget.ca/terms
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, HARMAN SHARDA, 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 Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- HARMAN SHARDA
- Size
- 63 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Premium Yearly $96.00
- Basic Yearly $48.00
- Basic Monthly $5.00
- Premium Monthly $10.00
- Copyright
- © 2026 Harman Sharda