Zerosum
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
Zerosum launched on February 14, 2026 with 3 votes, #3,487 of 16,628 launches that month and more than 50% of that year's launches.
What it does
Zerosum is a zero-based budgeting app built for people who want a clear plan before they spend. We use the same give-every-dollar-a-job method, but with a simpler workflow and lower pricing. Basic is $40/year and includes unlimited budgets/accounts, goals, analytics, recurring + split transactions, loan tracking, and keyboard-first shortcuts. You can also invite up to 5 members on one subscription and import your full YNAB history. Pro with automatic bank sync is coming soon.
Zero-based budgeting app: plan every dollar, share with family, import from YNAB or Actual Budget. From $30/year, and your first month of Pro is free.
Plan every dollar, hit your savings goals, and share one budget with your family. From $30 a year. Your free month is on Pro, which renews at $75 a year. Payment method required, cancel anytime before your first payment. Every quote is a real review from the App Store, word for word. No more wondering where your paycheck went. No more end-of-month panic. Budget another amount on a weekly to yearly rhythm, fill categories back up to a target, or reach a balance by a date. Simple goals for how people actually budget. Income flow, net worth, spending trends, cash flow, and financial forecasts. 16 built-in reports plus custom dashboards you assemble from 20+ widgets. Explore the analytics…from zerosum.so
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