Zeroed: Pay-once envelope budgeting. Private, offline, yours.

Zero-based envelope budgeting you buy once: $19.99, every platform, all 1.x updates included (founder price until 14 Feb 2027, then $39.99). No account, no server, no bank linking: your budget is one AES-256-encrypted file on your device, with optional sync through your own Google Drive, encrypted before upload. Import CSV, PDF, OFX, QFX or QIF from any bank, scan receipts, plan bills, goals, debt payoff and net worth. 34-day trial, no card. Today iOS joins Android, Windows and macOS.

Zeroed is an envelope (zero-based) budgeting app for people who left YNAB over the price, or never trusted a budgeting app with their bank login. What it is: the method you already know. Give every unit of income a job, roll over what is left, see what is safe to spend today. Plus bills, goals, debt payoff (snowball or avalanche) and net worth. Import CSV, PDF, OFX, QFX or QIF from any bank; an OCR scanner reads receipts. What it is not: there is no bank linking, no account and no server. Your budget is one AES-256-encrypted file on your device. If you want it on two devices, it syncs through your own Google Drive, encrypted before upload; we never see it. How it is sold: $19.99 once, every platform, all 1.x updates included. That is the founder price until 14 February 2027, then $39.99. The trial is 34 days with every feature and no card; if you do not buy, the file stays readable and exportable forever. Trade-offs, so you do not have to find them: no bank sync (by design), no web app, no shared budgets yet. Today's launch is the iOS release, which joins Android, Windows and macOS. Happy to answer anything, including "why not Actual Budget" and "why not open source".

Update from the maker: 1.3.1 is live on the App Store as of yesterday. It adds a one-step move-in from YNAB (the whole budget, not just transactions), local backups on a schedule or on demand with restore from any file, and undo for every destructive action. Same price, same rule: pay once, and if the trial ends without a purchase the file stays readable and exportable. Questions on the encryption or the Drive sync design are welcome here.