Mint VS Zeroed
Compare Mint VS Zeroed and see what are their differences
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Mint
YNAB
Quicken
HomeBank
GnuCash
Money Manager Ex
Monarch
Goodbudget
Zeroed
YNAB
Goodbudget
Actual Budget
EveryDollar
GnuCash
HomeBank
Money Manager Ex
Zeroed is a local-first, zero-based (envelope) budgeting app for people who want their financial data to stay theirs. Your budget lives on your device, encrypted with AES-256 — no company servers, no account, no tracking. Optional sync uses your own Google Drive, so even backups never touch a third party.
Instead of fragile bank connections, Zeroed imports transactions from CSV and PDF statements with a universal parser (OFX, QFX and QIF are also supported), plus an OCR receipt scanner for cash spending. It follows the classic zero-based method: give every dollar a job, roll categories over month to month, and reconcile against real statements. Goals, debt payoff planning, net worth tracking, scheduled transactions and spending reports are built in.
Pricing is a one-time purchase with a 34-day fully unlocked free trial (no card required). If the trial ends, the app switches to read-only — your data stays viewable and exportable forever, never held hostage.
Available on Windows, Android and macOS, with iOS in review. Built by Stillware Ltd, a small UK studio with a published no-subscriptions, no-surveillance manifesto.
Mint ZeroedMint is recommended for individuals who are new to personal finance management and those who prefer a straightforward, automated approach to budgeting and tracking expenses. It is especially beneficial for users who want a free tool with robust features and who are comfortable using online platforms to manage their financial information.
Zeroed's answer:
Zeroed is a zero-based (envelope) budgeting app you buy once and own forever: $19.99 founder price until 14 Feb 2027, then $39.99, with every 1.x update included. It is local-first by design. There is no account, no company server and no telemetry; your data is AES-256 encrypted on your own device, and optional sync goes through your own Google Drive. Instead of bank linking it imports CSV, PDF, OFX, QFX and QIF statements from any bank, plus OCR for paper receipts, and it works fully offline on Windows, Android and macOS.
Zeroed's answer:
If you like the YNAB method but not a subscription or a cloud account, Zeroed is the closest thing: the same give-every-pound-a-job workflow (envelopes, month-to-month rollover, goals, debt payoff planner, bills calendar, net worth and reports) for a single payment, with all 1.x updates included. Privacy is structural rather than a policy: there is no Zeroed server holding your data, so there is nothing on our side to breach or shut down. The 34-day trial is fully unlocked with no card, and after a trial the app stays read-only forever, so your data is never held hostage.
Zeroed's answer:
People who already budget by hand or in a spreadsheet and want the zero-based method without renting software; privacy-minded users who will not hand bank logins to a third-party aggregator; and households on Windows and Android (macOS available, iOS in review) who want the same budget on every device without a company in the middle. Typical users have left YNAB or Mint over price or data concerns.
Zeroed's answer:
Stillware Ltd is a small UK studio built on a published manifesto: no subscriptions, no telemetry, local-first software you own. Zeroed is its first product. It started because the popular budgeting apps had moved to $10-plus a month and required handing bank logins to third-party aggregators, while the free alternatives had been discontinued or filled with ads. Zeroed keeps the proven zero-based method and removes the rent and the surveillance. Version 1.3.0 (2026) added the Today view, bills calendar, goals, debt payoff planning, net worth tracking and OFX/QFX/QIF import.
Zeroed's answer:
Based on our record, Mint seems to be more popular. It has been mentiond 80 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.
A few budgeting platforms to check out. I've tried a couple of these and can vouch for the Intuit, YNAB, and Google Sheet but the others are just ones I found online. The important part is finding one that works for you. Source: almost 3 years ago
I think there's an ongoing issue somewhere because, https://mint.intuit.com/ is also dead. - Source: Hacker News / almost 3 years ago
Mint - feel they were the original and the first. Investments were always broken for me, but think they still do a great job on the expenses side. Source: about 3 years ago
Money makes the world go round, and managing it well can be pretty time-consuming. After all, entire professions, like financial planners and accountants, are centered around just that. However, Mint is a great tool for productively managing your own money, budgets, and financial goals, bringing together bank accounts, credit cards, loans, and investments into a centralized platform. Its real-time syncing and... - Source: dev.to / about 3 years ago
Https://mint.intuit.com/ scroll down and expand mint help center. Source: about 3 years ago
YNAB - Working hard with nothing to show for it? Use your money more efficiently and control your spending and saving with the YNAB app.
Quicken - Stay in control of your monthly cash flows, budgets, and expenditures. Quicken provides a navigable interface where you can organize your debit, credit, and savings, and build good habits accordingly.
Goodbudget - A home budget app based on the envelope budget system. Available on the web, Android, and iPhone.
HomeBank - Free, easy, personal accounting, for everyone
Actual Budget - Robust and simple budgeting that works
GnuCash - A personal and small-business financial-accounting software, licensed under GNU/GPL and available for Linux, Windows, Mac OS X, BSD, and Solaris.