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About
The financial app the UK education system never gave you. Zero helps you understand your salary, plan your pension, and manage your money - with 36 plain-English calculators and a daily finance tracker in one simple app. No jargon. No sales pitch. No account to create. Built for real people, not financial professionals. PAY ONCE. NO ACCOUNT. PRIVATE BY DESIGN. - One simple purchase - no subscription, no in-app purchases, no upsells, ever. - No sign-up, no login, no email. Just download and start. - Everything you enter stays on your device. Nothing is uploaded to our servers, so there's nothing to breach - and you can export or erase all your data at any time. 36 CALCULATORS - PLANNING & PROJECTIONS See the real numbers behind your money: - Salary & take-home pay - Income Tax, National Insurance and every deduction, explained - Pensions - project your retirement income and see how contributions grow over time - Mortgages - repayments, affordability and the impact of overpaying - Investments & savings - compound growth, ISAs and more - Plus loans, tax, budgeting and dozens more DAILY FINANCE TRACKER - Track income, tax, bills and transfers across multiple accounts - See exactly where your money goes each month - A clear, honest breakdown - entered by you, no bank connection required LEARN AS YOU GO Every calculator explains what the numbers mean and why they matter - the savings, pensions, mortgages, investments and tax knowledge most of us were never taught at school. COMING SOON: DIGITAL LEGACY VAULT End-to-end encrypted storage for your important accounts, documents and contacts, with next-of-kin access. Arriving in a future update. THE COMPANION BOOK Zero: Financial Knowledge is also a book - a plain-English guide to everything the UK education system missed, available as a Kindle eBook, paperback or audiobook. The book and the app are sold separately. Zero is for financial education and information only and does not provide regulated financial advice. Figures are estimates based on the information you enter. Always consider your own circumstances and seek professional advice where appropriate.
What's new · 2.0
Zero 2.0 is a big update: - Your profile now powers the whole app: enter your details once and every calculator pre-fills with your salary, pensions, mortgage and more - Help buttons on all 36 calculators explaining what to enter and what the results mean - Smarter money tools: bills, income, standing orders, debts and savings pots link to your accounts and post automatically on their due dates - Debts show the interest vs repayment split and your debt-free date - The ISA tracker now counts your real allowance use for the tax year - Retirement upgrades: your pot projects to your chosen retirement age, and income can be sized to last to your life expectancy - New appearance options: text size and a hide-values privacy toggle - Dozens of fixes and refinements from tester feedback All your data stays on your device.
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