Category budget
Give each category its own amount and watch each one's pace. Break a category into subcategories when you want more detail.
Coming soon to iPhone
Know where your month is headed.
ZeroBased connects to your bank, sorts every transaction, and compares what you've spent with where your budget says you should be today. On track, ahead of pace, or over: you'll know at a glance.
Want to look around first? The app opens with sample data. No account needed.
October
Summary
On track
$1,320
spent of $2,400 budget
Daily limit$90
Avg / day$73
Days left12
BudgetsToday's pace
Groceries$260 left
Dining$105 left
Shopping$18 over
- Bank connections through Plaid
- Read-only. It can't move money
- Encrypted in transit and at rest
- Sign in with Apple or email
The core idea
Spending against the calendar, not just the total.
$900 left means something different on the 5th than on the 25th. ZeroBased draws an even line from the first of the month to your budget and tracks your spending against it, so a big purchase early on shows up as a heads-up instead of a surprise at the end.
On track
$1,320
spent of $2,400 budget
$1,080 left · 12 days left
Daily limit$90
Avg / day$73
On track
Your spending is at or below where today's pace says it should be.
Ahead of pace
You're still under budget, but spending faster than the month is passing.
Over budget
You've passed the month's total. ZeroBased shows how far over you are and where you're on pace to land.
Budgeting
Two ways to budget. Use the one that fits how you think.
A guided setup builds your first budget from your recent spending, and you can run it again whenever things change.
Fixed & flex
Separate the bills that don't change from the spending you control, and set aside for periodic costs that roll over month to month.
Everything around it
The rest of your money, kept up to date.
Connect once and ZeroBased keeps up: new transactions, upcoming bills, where your income went, and what you're worth.
Transactions arrive on their own
Link your banks and cards through Plaid. New transactions sync in the background and land already categorized.
Rules that remember your fixes
Set a rule once to rename a merchant or assign a category. Matching transactions follow it as they arrive.
Bills and subscriptions, ahead of time
Recurring charges are spotted for you and laid out in an upcoming list and a calendar, so nothing lands unannounced.
See where every dollar went
A money-flow chart traces your income into each category, alongside reports on categories and spending trends.
Every account in one place
Checking, cards and investments, grouped by bank, with cash, owed and invested totals and a net-worth trend.
Ask about your spending
Ask a question in plain language and get an answer drawn from your own transactions and budget.
Make it yours
Light, Dark, Graphite and Lights Out themes, seven accent colors, and a monochrome mode for a calmer screen.
Try it first
Look around before you sign up.
Open ZeroBased and explore it with sample data. No account, no bank connection, nothing to cancel. When you're ready, create an account and start your free trial.
- Every screen, filled with sample money
- Build a practice budget with the guided setup
- Check whether your bank is supported
You're exploring a demoCreate account
Create your own budget
See the demo budget
Security & privacy
Private by design.
Your financial data is personal. Here's how ZeroBased handles it.
Your bank login stays with your bank
Accounts connect through Plaid. ZeroBased never sees or stores your bank username or password.
Read-only access
ZeroBased can read balances and transactions. It can't move money or make payments.
Encrypted in transit and at rest
Data is encrypted between your phone and our servers, and while it's stored.
Yours to keep or delete
We don't sell your data. Delete your account from the app anytime, and your data goes with it.
Questions
Which banks work with ZeroBased?
Thousands of US banks, credit unions and card issuers connect through Plaid. You can search for yours from the app's demo before you sign up.
Do I need to connect a bank to try it?
No. The demo runs on sample data, so you can see how everything works first.
Can ZeroBased move my money?
No. Access is read-only. ZeroBased can see balances and transactions, but it can't make transfers or payments.
How does the free trial work?
Your trial starts when you subscribe after creating an account. If you don't cancel before it ends, your subscription begins and is billed through your Apple ID.
Is ZeroBased on iPad or the web?
We're starting with iPhone. Leave your email above to hear when more arrives.
Who makes ZeroBased?
ZeroBased is made by ZeroBased LLC, an independent company. Reach us anytime at support@zerobased.org.