ZEROS: Your Money App

Every paycheck gets a job. Every dollar has a place. Welcome to ZERO$.

ZERO$ is the money app built around how you actually get paid. Bi-weekly, semi-monthly, or monthly, ZERO$ plans your bills one paycheck at a time and keeps an accurate ledger of every dollar, so you never have to guess what you can afford.

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ZERO$ ACCOUNT LEDGER WITH ENVELOPES
Know where your money is at ALL times.

Your online bank balance doesn't show pending payments, scheduled bills, or money you've already set aside for something else. ZERO$ does.

• Keep a running balance for each of your accounts
• Split any account into envelopes like Gas/Groceries, Christmas, or Vacation, so money is earmarked before you spend it
• See your total across all accounts at a glance
• Stop relying on a bank balance that's only telling you half the story

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ZERO$ BILL PAY PLAN
Enter your monthly expenses once. ZERO$ orchestrates the rest.

Add your bills, savings set-asides, and everyday spending, and ZERO$ automatically builds your bill pay schedule. Each bill is assigned to the right paycheck based on its due date and the money that paycheck will have.

• Three expense types: Bills (with due dates), Set-Asides (savings goals and envelopes), and Per-Paycheck expenses (gas, groceries, fun money)
• See exactly what each paycheck covers and how much is left over
• Tap "Why is this here?" on any bill to see why it landed on that paycheck
• Paycheck overcommitted? ZERO$ recommends fixes and moves bills for you with one tap
• Easily move, adjust, or pause any expense to fine-tune your plan
• Bi-weekly pay? ZERO$ spots your two "bonus" paychecks each year and helps you put them to work

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PAID BILLS POST TO YOUR LEDGER AUTOMATICALLY
Update your balances in seconds.

When you mark bills and expenses paid, ZERO$ records each one in your account ledger and updates the right balances instantly. No double entry, no math, no sprea…