Zeroed
YNAB
Goodbudget
Actual Budget
EveryDollar
HomeBank
Mint
Money Manager Ex
GnuCash
YNAB
HomeBank
Money Manager Ex
Mint
Quicken
KMyMoney
Actual Budget
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.
Zeroed GnuCashZeroed'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, GnuCash seems to be more popular. It has been mentiond 38 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.
Https://gnucash.org/ is a pretty solid free and open source option. The catch being its UI probably isn't as refined as some other options, and I'm not sure how/if online banking connections work, so can be a bit manual. Source: over 3 years ago
Could checkout https://gnucash.org/. Probably not as nice as a UI as some other options, but its quite robust in terms of tracking your finances. It has a budgeting feature, but I never used it. Worst case could use another app just for budgeting and GnuCash for general tracking of the current state of your accounts, and generating reports and such. Source: over 3 years ago
As of today (2/22/2023), gnucash.org seems to be up and running. Do the young folks still use "woot" as an exclamation of delight or is that already passe??😄. Source: over 3 years ago
I guess PART of my concern is that when you have a blank screen at gnucash.org for too long, it APPEARS to the outside world... People who might wish to consider using and supporting gnucash... that there is a problem that the organization is unable to handle and therefore the question arises "Are the team at gnucash competent or incompetent"? Source: over 3 years ago
I am a fan of Open Source projects and I've known about GnuCash for some time. I've started an online personal finance course that uses GnuCash, HOWEVER, the gnucash.org site seems to have been down for days or weeks lately. What's up. I thought the pandemic was over and the 'ronavirus was going into obscurity... Am I wrong? Did the team all die off? Are they not taking this seriously? OR... Is there actually... Source: over 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.
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