Life & fun · alternatives · 2026

24 alternatives to Zero

Zero based budgeting app

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Prices are shown for the 1 we have checked on their own sites, 1 of them free or with a free tier.

1. 1
   Zero: Budget with Zero▲4

   Local-first zero-based budgeting, no bank connection

   Jul 2026 · joinzero.app · its alternatives →

2. 2
   Zero v3.0▲438

   Fasting made simple

   2019 · zerolongevity.com · its alternatives →

3. 3
   Zero▲445

   A simple app to track your fasting

   2016 · medium.com · its alternatives →

4. 4
   JengōBudget, simple zero-based budgeting▲8

   Try zero-based monthly budgeting in 5 min. 100% free!

   Jan 2026 · jengobudget.com · its alternatives →

5. 5
   Zero based budgeting system w/Notion▲69

   Make purchase decision with a budget

   2022 · cjndubisi.gumroad.com · its alternatives →

6. 6
   Actual Budgetfree▲278

   Robust and simple budgeting that works

   2019 · actualbudget.org · its alternatives →

7. 7
   Outgoing.app▲104

   Really simple budgeting

   2020 · outgoing.app · its alternatives →

8. 8
   zero: private offline expense tracker▲4

   Track expenses offline with complete privacy

   Feb 2026 · play.google.com · its alternatives →

9. 9
   Zerobalance▲78

   End overspending with smart budgeting

   2022 · its alternatives →

10. 10
    Zerosum▲3

    I've been a YNAB user for years but couldn't justify $109/yr for an app where I never used bank sync. So I built my own. ZeroSum is zero-based budgeting (same envelope method) with a full YNAB import wizard — bring your entire budget history over. 50+ currencies, shared budgets, analytics, keyboard shortcuts. $40/yr. Stack: React (Vite + TanStack Router) on Cloudflare Pages, Hono + tRPC on Render. Happy to talk about the technical decisions. Try it free for 35 days: https://zerosum.so

    Feb 2026 · zerosum.so · its alternatives →

11. 11SB
    Simple Budgeting▲61

    2018 · putz.io · its alternatives →

12. 12
    ZeroSettle▲130

    Drop-in direct billing SDK to skip the 30% Apple Tax

    Mar 2026 · zerosettle.io · its alternatives →

13. 13
    Decent Budget▲71

    Personal finance & budgeting application for individuals.

    2019 · decentbudget.com · its alternatives →

14. 14
    Dime 2.0▲117

    Modern, intuitive expense tracking and budgeting

    2023 · apps.apple.com · its alternatives →

15. 15
    Monee▲53

    A beautifully simple way to manage your money

    Dec 2025 · monee-app.com · its alternatives →

16. 16
    Basis - Simple Budgeting▲3

    Budgeting that forces a decision, not silent failure.

    Jul 2026 · apps.apple.com · its alternatives →

17. 17
    KiwiBudget▲7

    Zero Sum Budgeting for Digital Nomads

    2019 · kiwibudget.com · its alternatives →

18. 18
    Tally▲2

    Finally A Budgeting App That's Honest & Simple For Canadians

    Mar 2026 · usetally.ca · its alternatives →

19. 19
    SimpleMonth▲6

    Reconcile Personal Monthly Finances with AI in 5 min or Less

    Feb 2026 · simplemonth.com · its alternatives →

20. 20
    Mon Budget▲2

    Free family budget app — your data stays with you

    May 2026 · budget.marquabel.be · its alternatives →

21. 21
    Zero▲9

    Private vault for your data

    2025 · techdobz.com · its alternatives →

22. 22
    Couple Cents▲11

    the ultimate budgeting app for couples!

    2025 · its alternatives →

23. 23
    BudgetPilot▲13

    Know your debt-free date & savings, no apps needed.

    2025 · tally.so · its alternatives →

24. 24
    Monthly 2.0▲12

    Ultrafast personal budget app w/ 1-swipe expense tracking

    2016 · startupnames.com · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →