Delete Your Account

This page explains how to delete your account for Zero Budget: Money Planner, made by Zero Budget. It works whether or not you still have the app installed.

Delete your account

1. In the app (iPhone or Android). Sign in, then go to Settings → Profile → Delete account. Choose "In 30 days" (nothing is deleted today, and you can cancel any time before the date) or "Right now" (deleted the moment you confirm, and this cannot be undone). Type DELETE to confirm. The steps are the same on iPhone and Android.
2. On the web. Sign in and go to Settings → Delete account. Type DELETE to confirm. This schedules deletion for the end of your current billing period, or 30 days from now if you don't have a subscription. There is no immediate option on the web today; that choice exists in the app only.
3. By email, if you can't sign in. Email hello@zerobudget.ca from the email address on your account and ask us to delete it. We verify the request against that address and delete the account by hand.

What gets deleted, and what we keep

• If you're the only person in your household, deleting removes everything: every connected bank, transaction, budget, and the household record itself. We revoke every connected bank at Plaid immediately (calling Plaid's /item/remove), and a subscription bought on the web through Stripe is cancelled. If you ever used Sign in with Apple, that access is revoked too.
• If you share a household with others, deleting removes only your own sign-in and the banks you personally connected. Your household's shared budget and transactions stay intact for the people still in it.
• Timing. The scheduled option (the only one on the web, and the default in the app) leaves your account exactly as it is until the date: 30 days out, or the end of your current billing period if you're the household's paying member. You can cancel any time before then. "Right now" in the app skips the wait entirely and cannot be undone.
• Once deletion runs, rows are removed from our live database immediately. Our database backups can still hold a deleted row for up to 7 days before they roll off (Supabase point-in-time recovery), and cannot be selectively restored.
• Stripe keeps its own copy of your billing history on its own retention schedule, even after we delete the link to it on our side.
• If you used the iPhone or Android app, PostHog (our analytics provider) keeps the app-usage events tied to your account until we delete them by hand. Deleting your account does not yet do this automatically. Email us and we will; those events identify you only by an internal ID, never your name or email.

Subscriptions

Deleting your account does not always cancel what you pay for.

• Subscribed on the web? That runs through Stripe, and deleting your account cancels it. Nothing more is charged.
• Subscribed inside the app? That purchase belongs to your Apple or Google account, not to us, and deleting your Zero Budget account cannot cancel it. Cancel it yourself: on Android, in Google Play → Subscriptions; on iPhone, in Settings → your name → Subscriptions.

Just disconnecting a bank

If you only want to stop syncing one bank, you don't need to delete your account. Sign in, go to Accounts, and disconnect it there. That removes the connection at Plaid and stops further syncing immediately; everything else about your account is unaffected.

For everything else we collect and how long we keep it, see our Privacy Policy.