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.
What it does
Everything a budget needs,and not much else.
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
The iPhone app is on the App Store and the Android app is on Google Play. Add a purchase by saying it or snapping the receipt, and open the same budget in any browser.
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
Free to budget.Pay for the rest.
Planning a month and entering transactions by hand costs nothing, with no time limit. Try every paid feature free for 14 days. One price per household, no seat fees, no per-partner charge.
Free
Your budget, entered by hand
Free
No card, no time limit.
- Zero-based budgeting, sinking funds and debt payoff
- Enter and categorize transactions by hand
- Every month you plan, kept for as long as you want it
Most popular
Zero Premium
Everything in Free, plus the parts that do the work for you
$10 USD/ month
or $8 USD/month billed yearly, save 20%
- Every report, and net worth that keeps its own history
- CSV import and export
- One budget shared with your whole household
- Bank sync via Plaid in the US and Canada, with auto-categorize rules that file transactions as they arrive
Frequently asked
Things people ask before signing up.
What does the free 14-day trial include?
Every paid feature: every report, net worth with its own history, CSV import and export, sharing one budget across a household, and bank sync via Plaid in the US and Canada. Your card is captured when you start the trial, and the plan renews on day 14 unless you cancel first.
What is free, and what do I pay for?
Budgeting by hand is free, with no time limit: plan a month, give every dollar a job, and enter and categorize transactions yourself. The subscription adds the parts that read those numbers back or fetch them for you, which is every report, net worth with its own history, CSV import and export, sharing one budget across a household, and bank sync via Plaid in the US and Canada. Try it all free for 14 days; your card is captured up front and the plan renews on day 14 unless you cancel.
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?
You keep everything you paid for until the end of the current period, and you are not charged again. After that, budgeting by hand carries on free with no time limit, and your budget and transactions stay put; reports, net worth history, CSV, household sharing and bank sync wait behind a plan. A web plan is cancelled from Settings, then Billing; an App Store or Google Play plan is cancelled in that store. Deleting your account is a separate step, scheduled rather than immediate, and you can call it off before it runs.
Does it work on my phone?
Yes. Zero is a real app on both stores, free to download on the App Store and on Google Play. In the app you can add a purchase by saying it out loud or snapping the receipt. Your budget is the same account on every device, and it also opens in any browser.
Download the app
Your budget, on the device you carry.
One account, every device. Plan on a laptop, check a balance in line at the store, and log a transaction before you have put your wallet away.