Harman Sharda
Founder, Zero Budget
Harman Sharda is the founder of Zero Budget and writes the budgeting guides on this site. He runs his own household on a monthly zero-based budget in the app he built, and the guides describe that practice: plan the month before it starts, give every dollar a job, and check in weekly.
Zero Budget is a zero-based budgeting app for individuals, couples, families and households in Canada and the United States. Questions about a guide go to the contact page.
Guides by Harman
- Zero-Based Budgeting: Plan Before You Spend6 min read
- Couples Budgeting: How to Run a Shared Budget Without Fighting5 min read
- Debt Payoff Budgeting: Build a Plan That Actually Works5 min read
- Envelope Budgeting in 2026: Why It Still Works Digitally6 min read
- Family Budgeting: A Household Money Guide for Parents7 min read
- Your First Monthly Budget: A 30-Minute Setup for Beginners7 min read
- Sinking Funds: How to Stop Annual Bills From Wrecking Your Budget6 min read
- How Big Should Your Emergency Fund Be?7 min read
- Budgeting When Your Income Is Different Every Month6 min read
- The Monthly Money Date: 30 Minutes That Stops Most Money Fights6 min read
- How to Budget for the Holidays Without Going Into Debt6 min read