Open source · Self-hosted · No account

Budget down
to zero.

Envelope budgeting that tells you which transfers to make. Everything lives in one file on your machine. No account, no subscription.

Get Zero View on GitHub

Runs anywhere Node or Docker does · AGPL-3.0

Watch the tour

A walkthrough of a month in Zero — coming soon.

Zero's budget for October with every category funded and Ready to assign at $0 Zero's budget for October with every category funded and Ready to assign at $0 Zero's transfer plan listing the moves to make between accounts Zero's transfer plan listing the moves to make between accounts Zero's transactions ledger across all accounts Zero's transactions ledger across all accounts Zero's Insights page showing net worth over the past year Zero's Insights page showing net worth over the past year

A month in Zero. Know where every dollar goes, and what to move.

Fast to enter.
Hard to lose.

Quick add, at the register

A thumb-sized capture screen, installable on your phone. Expense, income or transfer in a few taps.

Zero's quick add screen on a phone Zero's quick add screen on a phone

Undo that actually works

Undo reverses exactly what you did.

Privacy mode

Hide every amount before you share your screen. Nothing flashes, even on reload.

One file. Yours.

Your entire history lives in a single SQLite file. Copy it to a thumb drive and you've backed up everything.

Fund the month in one click

Top up every underfunded category or copy last month's budget. You see a preview first.

See where it all went

Net worth across accounts and tracked assets, spending breakdowns, and a year at a glance.

Net worth chart on the Insights page Net worth chart on the Insights page

CSV in, CSV out

Import from ten bank formats with auto-detection, or map columns yourself. Export anything you can filter.

No bank sync. Just ask.
Your AI agent reconciles the statement.

Hand a statement to the AI agent you already use. Zero's import-txns skill does the matching.

  1. 1
    Drop in a statement. Screenshot, CSV or pasted text.
  2. 2
    It matches every line. No duplicates.
  3. 3
    It adds what's missing. Backed up first.

Runs in your agent, not in Zero. Zero has no AI built in.

your agent · import-txns skill
visa-statement.png

Reconcile this against Visa Card

Matched 41 of 44 statement lines on Visa Card.

  • MissingQuikFill Gas−$48.20
  • MissingRoasters Coffee−$5.75
  • PostedTrattoria Bistro was −$54.00 pending−$62.40
✓ Backed up✓ Inserted 2✓ Promoted 1

Balance −$1,311.92 matches the statement.

Plan the money.
Then know exactly what to move.

Most budgeting apps stop at the plan. Zero compares your budget with your real balances and gives you a checklist of transfers to make.

  • Send $5,170.52 to High Yield Savings
  • Pay $1,311.92 to the Visa card
  • Leave $3,242.81 in checking

Recalculated from your budget every time, so it never drifts.

Transfer plan with savings transfers, card payments and buffers Transfer plan with savings transfers, card payments and buffers

Yours to run.
Up in three commands.

  • No account. Nothing to sign up for, and no company holding your data.
  • No bank connection. Add transactions by hand, from a CSV or with your AI agent.
  • Runs anywhere. Your laptop, a Raspberry Pi or a home server, with Docker or Node.
zsh 
$ git clone https://github.com/<you>/zero && cd zero
$ cp .env.example .env.local
$ docker compose up -d --build
✓ Zero is running on http://localhost:4040

No login, on purpose. Keep Zero on your own machine or a private network like Tailscale. Don't put it on the open internet without authentication in front. Read the security notes.

Start at zero.

Free and open source. Your data never leaves your machine.

Get Zero View on GitHub