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.
- Zero-based budgeting
- Sinking funds
- Bank-connected
Your money.Every dollar.Zero confusion.
Zero Budget is a zero-based budgeting app for couples, families, and singles. Give every dollar a job, plan your money before you spend it, and reach financial clarity in minutes a month.
30 days free, full app · $7 USD/month unlocks bank sync + auto-categorization · cancel anytime
Charged in CAD ($10 CAD); your bank converts.
- 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
PricingOne plan · all in
$0/ first 30 days, full app
Then $7 USD / month adds bank sync and auto-rules. Every charge lands in your inbox already categorized. One price per household, no seat fees.
Charged in CAD ($10 CAD); your bank converts.
Honestly, we wish we could charge zero. A small monthly subscription is what keeps Zero ad-free and lets us run as a nimble team focused on the product. We will never sell your data, and we will never make money off the information you give us. That's the deal.
Sign up. Connect your bank. Plan with intention. That's it.
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. Bank sync via Plaid and auto-categorization rules unlock when you subscribe (both have a real per-account cost on our side). No card on file during the trial.
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?
Several times a day, automatically. You can also tap Sync any time to pull in fresh transactions on demand.
What happens if I cancel?
Your data stays yours. Account deletion wipes everything within 30 days, 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.