Zero: Financial Knowledge
Budget, plan & protect
£2.99 · Designed for iPad. Not verified for macOS.
The financial app the UK education system never gave you.
Zero helps you understand your salary, plan your pension, and manage your money - with 36 plain-English calculators and a daily finance tracker in one simple app. No jargon. No sales pitch. No account to create.
Built for real people, not financial professionals.
PAY ONCE. NO ACCOUNT. PRIVATE BY DESIGN.
- One simple purchase - no subscription, no in-app purchases, no upsells, ever.
- No sign-up, no login, no email. Just download and start.
- Everything you enter stays on your device. Nothing is uploaded to our servers, so there's nothing to breach - and you can export or erase all your data at any time.
36 CALCULATORS - PLANNING & PROJECTIONS
See the real numbers behind your money:
- Salary & take-home pay - Income Tax, National Insurance and every deduction, explained
- Pensions - project your retirement income and see how contributions grow over time
- Mortgages - repayments, affordability and the impact of overpaying
- Investments & savings - compound growth, ISAs and more
- Plus loans, tax, budgeting and dozens more
DAILY FINANCE TRACKER
- Track income, tax, bills and transfers across multiple accounts
- See exactly where your money goes each month
- A clear, honest breakdown - entered by you, no bank connection required
LEARN AS YOU GO
Every calculator explains what the numbers mean and why they matter - the savings, pensions, mortgages, investments and tax knowledge most of us were never taught at school.
COMING SOON: DIGITAL LEGACY VAULT
End-to-end encrypted storage for your important accounts, documents and contacts, with next-of-kin access. Arriving in a future update.
THE COMPANION BOOK
Zero: Financial Knowledge is also a book - a plain-English guide to everything the UK education system missed, available as a Kindle eBook, paperback or audiobook. The book and the app are sold separately.
Zero is for financial education and information only and does not provide regulated financial advice. Figures are estimates based on the information you enter. Always consider your own circumstances and seek professional advice where appropriate.
Ratings & Reviews
- This app has not received enough ratings or reviews to display an overview.
Zero 2.0 is a big update:
- Your profile now powers the whole app: enter your details once and every calculator pre-fills with your salary, pensions, mortgage and more
- Help buttons on all 36 calculators explaining what to enter and what the results mean
- Smarter money tools: bills, income, standing orders, debts and savings pots link to your accounts and post automatically on their due dates
- Debts show the interest vs repayment split and your debt-free date
- The ISA tracker now counts your real allowance use for the tax year
- Retirement upgrades: your pot projects to your chosen retirement age, and income can be sized to last to your life expectancy
- New appearance options: text size and a hide-values privacy toggle
- Dozens of fixes and refinements from tester feedback
All your data stays on your device.
The developer, Daron Pritchard, 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 Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- Daron Pritchard
- Size
- 36 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPad
Requires iPadOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Daron Pritchard
