Budget across any currency — at a fraction of YNAB's price
Zero Budget is a zero-based budgeting app that lets you hold accounts in 13 different currencies inside a single budget, see every account in its native currency, and roll everything up into one total — for just $2.99/month.
No credit card required · No bank login needed · Cancel anytime
One budget for every currency you use
Most budgeting apps treat multicurrency as an afterthought — hidden behind upgrades or broken in practice. Zero Budget was built for it from the start. Hold a Monzo GBP account, a Chase USD checking account, and a Rakuten JPY savings account in the same budget, and see a single accurate net worth.
13 currencies supported
USD, EUR, GBP, JPY, CAD, AUD, CHF, NZD, SGD, MXN, BRL, INR, PKR — each account holds its own currency code.
One budget, many currencies
All your accounts live in a single budget view. No more juggling separate budgets per country or spreadsheet.
Live exchange rates
The net-worth total converts every account into your base currency on demand using up-to-date exchange rates.
Native currency display
Each account always shows its balance with the right symbol and formatting — £ for GBP, ¥ for JPY, and so on.
No bank sync required — works with any account in any country.
$14,283.47
Converted to USD · live exchange rates
Balance by currency
Everything a budgeting app needs
All the power of premium budgeting software — at a price that doesn't need its own budget line.
Zero-based budgeting
Give every dollar a job. Assign income to categories, watch what's available, and carry unspent money forward — the YNAB method, without the YNAB price tag.
Privacy-first, no bank sync
Manual entry keeps you in full control of your data.
- No open-banking credentials
- No third-party data brokers
- Works in any country, with any bank
Shared budgets
Invite a partner with one link. Everyone sees the same live budget.
Reports & custom views
Spending by category, income vs. expense, top merchants — plus a builder for your own saved views.
Scheduled transactions
Recurring bills, subscriptions, and income — tracked before they land.
Zero Budget vs. YNAB
A privacy-first, multicurrency alternative designed to compete with YNAB, Actual Budget, and Liquid Budget. Same zero-based methodology, at a fraction of the cost.
YNAB pricing based on publicly listed rates as of 2026. Multiple-currency support reflects features available in standard plans.
Simple, honest pricing
One plan. Everything included. Start free for 2 months.
- Unlimited budgets
- Multi-user budget sharing
- Full transaction history
- Data export at any time
- 13 supported currencies
- Custom reports & charts
≈ $2.50/month
- Unlimited budgets
- Multi-user budget sharing
- Full transaction history
- Data export at any time
- 13 supported currencies
- Custom reports & charts
30-day refund guarantee after trial ends. No questions asked.
See full pricing details →Frequently asked questions
Everything you need to know before you start.
Start budgeting smarter today
2 months free. No credit card required. Every feature included from day one. Whether you budget in one currency or six, Zero Budget has you covered.
No credit card · No bank sync · Cancel anytime · 30-day refund guarantee