Zero: Financial Knowledge
The financial app the UK education system never gave you.
Understand your salary, plan your pension, manage your money, and protect your digital legacy — all in one place.
Three pillars. One app.
Everything you need to understand, manage, and protect your finances — built for real people, not financial professionals.
Daily Finance
Track income, tax, bills, and transfers across multiple accounts. Understand exactly where your money goes each month with a clear, honest breakdown.
Planning and Projections
31 interactive calculators covering salary, tax, pensions, mortgages, investments, and more. See your real take-home pay, project retirement income, and understand how every deduction works.
Digital Legacy Vault
End-to-end encrypted storage for your important accounts, documents, and contacts. Set up next-of-kin access so the people who matter can find what they need.
The companion book
Zero: Financial Knowledge
The audiobook and guide that walks you through everything the UK education system missed — savings, pensions, mortgages, investments, tax, and more. Written in plain English for real people.
Every book purchase includes a free unlock code for the Standard tier of the Zero app — giving you access to all 31 calculators and daily finance tracking at no extra cost.
Take control of your finances today
Free to try. No sign-up required for basic calculators. Upgrade for full access from just £0.99.