Zero

What is Zero?

Zero is a local-first, zero-based budgeting app for people who prefer not to connect their bank. Core budgeting screens read from an on-device database for immediate interactions, while confirmed changes sync across your devices. It is local-first, not offline-only: saving pauses while fully disconnected. Enter transactions manually or import from YNAB, Actual Budget, or CSV. Use targets, schedules, spending, and net-worth insights. Try every feature free for 34 days—no card required.