Zero-based budgeting
Every dollar gets a job. Your "left to budget" total reads $0.00 only when you've told every dollar where to go.
Your money.Every dollar.Zero confusion.
Zero Budget is a zero-based budgeting app for couples, families, and individuals. Give every dollar a job, plan your money before you spend it, and reach financial clarity in minutes a month.
30 days free, no card · from $5 USD/month, or $10 USD/month with bank sync · cancel anytime
- Bank-secured via Plaid
- Privacy-first
- CAD / USD
Manifesto
Five commitments.No filler features.
Sinking funds
Savings goals that roll over month to month. Tires, vacation, emergency. All live alongside groceries in one ledger.
Bank-connected via Plaid
Transactions land in an inbox you assign to budget lines. Your bank password stays with your bank. Zero never sees it.
Privacy-first
Your data is yours. Your bank connection is encrypted, every household stays private, and we don't sell or share a thing.
Works on your phone
Open Zero in your phone's browser, save it to your home screen, and it opens like an app. Same full layout as desktop, no watered-down mobile view.
How it works
From bank to budget in three steps.
Step
Connect your bank in 30 seconds.
Sign in to your bank through Plaid's secure window — the same network used by Venmo, Robinhood, and Wealthsimple. Zero never sees your password or card number.
Your Bank**** 4421
→Plaid
Step
Plan every dollar.
Drag your income onto the budget, plant zero-based numbers across categories. Sinking funds for the things that matter — vacations, tires, emergencies. Every dollar gets a job.
Left to budget
$0.00
Mortgage$2,400
Groceries$1,050
Emergency Fund$400
Date night$220
Step
Track without the friction.
Transactions land in an inbox. Drop each one onto a budget line. Build categorization rules later — or stay manual. Either way the line items reconcile in real time.
LoblawsGroceries
ShellGas
NetflixSubscriptions
Pricing
Two plans.One difference.
Start with 30 days free and no card. Pick a plan when the trial ends, or walk away. One price per household, no seat fees, no per-partner charge.
Basic
The whole budget, entered your way
$5 USD/ month
or $4 USD/month billed yearly, save 20%
- Zero-based budgeting, sinking funds and debt payoff
- Auto-categorize rules, so a merchant files itself next time
- Every report, plus CSV import and export
- One budget shared with your whole household
- Bank sync via Plaid
Most popular
Premium
Everything in Basic, plus your bank
$10 USD/ month
or $8 USD/month billed yearly, save 20%
- Everything in Basic
- Bank sync via Plaid across the US and Canada
- Net worth that updates itself, so you never type a balance
Frequently asked
Things people ask before signing up.
What does the free 30-day trial include?
Almost everything. Give every dollar a job, set sinking funds, track debts, invite your household, and export to CSV. Two things wait for a plan: auto-categorize rules, which come with either plan, and bank sync via Plaid, which is what the Premium plan adds. No card on file during the trial.
What is the difference between Basic and Premium?
Bank sync, and what it feeds. Basic is the whole app entered your way, including auto-categorize rules, sinking funds, debt payoff, every report and household sharing. Premium adds bank sync via Plaid, so transactions land in your inbox on their own instead of you typing them in, and your net worth updates itself instead of you typing in balances.
What currency am I charged in?
Canadian customers are quoted and charged in Canadian dollars, everyone else in US dollars. The price on this page is the price that reaches your card, and every figure states its currency, so there is never a second number to work out.
Is my bank password stored?
Never. Plaid handles bank login on its own secure page. Zero never sees your password or card number.
What banks are supported?
Most major banks across Canada and the US. RBC, TD, Wealthsimple, Chase, Capital One, plus a long list of credit unions.
How often does it sync?
Six times a day, automatically. You can also tap Sync to pull fresh transactions on demand, with a short cooldown between manual syncs so a bank connection is never hammered.
What happens if I cancel?
Cancelling stops the billing and leaves your data alone. Deleting the account is a separate step, and it is scheduled rather than immediate: 30 days by default, or the end of the period you already paid for if you are the one paying, so you keep what you bought. There is always at least 24 hours, and you can call it off any time before it runs. When it does run, everything goes, including the connection to your bank.
Does it work on my phone?
Yes, on iPhone and Android. Open Zero in Safari or Chrome and tap "Add to Home Screen." It opens fullscreen like a regular app.