Zero Budget: Money Planner

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.

Adding a purchase takes seconds. Tap the plus and say it out loud, "42 at Costco into groceries", or snap the receipt and Zero reads the total, the store and the date. Both happen on your phone: your voice is never sent anywhere and the photo is never uploaded.

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 see a payoff date that moves as you pay it down.

Connect a bank in the United States or Canada and let transactions arrive on their own, or enter them yourself. Rules learn the merchants you see every week and file them for you.

Budget on your own, or share one budget with your partner or household so everyone sees the same numbers at the same time.

At the end of the month the reports are blunt: what came in, what went out, where it went, and a six month trend so you can tell whether things are getting better. Net worth brings your accounts, assets and debts into one number.

Planning a month and entering transactions by hand is free, with no card and no time limit. Zero Premium adds voice and receipt capture, automatic bank sync, rules that categorize for you, reports, net worth, paycheck planning, CSV import and export, and a shared household budget. New subscribers can start with a 14-day free trial, bank sync included. Prices are shown in the app in your local currency before you buy.

Subscriptions renew automatically until cancelled. You can manage or cancel anytime in Google Play under Payments & subscriptions.

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