Give every dollar a job.Even the ones you never see.
Zilch plans your month before you spend it. It estimates the taxes coming out of your paycheck from where you live, then balances income against spending, giving and saving until nothing is left unassigned.
- Free to start
- No spreadsheet
- Cancel anytime
October budget
Planned vs actual
Balanced — $0 left to assign
Every dollar already has a job.
Built for the money you already have
Most budgeting apps tell you what you spent. Zilch tells you what each dollar is for before the month starts.
A budget that has to balance
Plan income against spending, giving and saving, with planned and actual side by side. When income minus expenses hits zero, your month is finished — not guessed at.
See your real take-home first
Zilch estimates federal, state and local taxes from your location, so you budget the money that actually reaches your account.
Your banks, imported for you
Connect your accounts and transactions land in the right month automatically — no retyping a statement.
Receipts read for you
Snap a receipt and Zilch pulls the line items, splitting one grocery run across the categories it belongs to.
A way out of debt
See your monthly payment, the total interest ahead, and a month-by-month payoff schedule you can actually follow.
Savings you can see
One balance for everything you have set aside, plus what you added this month — so progress is never invisible.
Three steps, then you're budgeting
No templates to learn and no spreadsheet formulas to maintain.
Set up your month
Add your income and tell Zilch where you live. It estimates the tax coming out, so you start from take-home pay.
Assign every dollar
Plan spending, giving and saving — group similar costs together and carry recurring groups into next month.
Finish at zero
Connect your banks and watch planned meet actual. Adjust as the month moves until nothing is left unassigned.
Free to start. Pro when you want more.
Everything you need to run a zero-based budget is free. Pro adds automation and the deeper analysis.
Free
$0
Forever, no card needed.
- Zero-based budget with planned vs actual
- Location-based tax estimate
- Up to 3 connected bank accounts
- Debt payoff planner
- Savings balance
Zilch Pro
Best value$4.99/month
Or $49.99 a year — save 17%.
- Unlimited bank accounts
- Automatic daily bank sync
- Receipt scanning with itemized splitting
- Debt payoff outlook, what-if scenarios and money tips
- No ads