iPhone, iPad, and Mac

A private budget that lives in your iCloud

Assign income to the month ahead, keep an eye on spending, and watch net worth over time. No ads, no bank login, and no ZxBudget account.

ZxBudget is a privacy-focused zero-based budgeting app — a native app for iPhone, iPad, and Mac.

Private, on or offline

Your budgets stay in your private iCloud. ZxBudget never sees the transactions. They keep working with no connection until your devices catch up.

Spending pace, what is left to assign, then the checklist: assign, targets, approve, and reconcile.

The payee and category are suggested from where you are and what you usually buy, and you can scan a receipt on the device.

Track your RRSP (including Spousal RRSP), TFSA, and RESP contribution room.

Also included

Credit cards stay covered Spending on a card sets the payment aside in that card’s category, so the money is waiting when the bill is due.
Assign the month in one tap One tap fills the month’s categories based on targets you set.
Foreign transactions Foreign accounts convert at public rates, and so does a purchase you enter in another currency on a credit card.
Share a budget Share your budget with another iCloud user.
Family Sharing One person pays for up to 6 people in your Apple Family Sharing group, and each person keeps their own iCloud account.
Upcoming transactions Schedule pay, rent, and bills, and see whether this month can cover them.
Reimbursements Mark a purchase Reimbursable, see who owes you under Awaiting reimbursement, and Apply what is still owed.
Reports Spending by category, income versus spending, reimbursements, net worth, sustainable spending, and milestones, plus registered-account room, and a currency view when you have foreign accounts.
Tracking accounts A house, a car, or investments that sit outside the spending accounts, so net worth includes what you own.

Six months free at launch.

One annual subscription billed by Apple, with Family Sharing, at the price Apple shows for your country.

6-month trial