Zero: Financial Knowledge
The financial app the UK education system never gave you.
Understand your salary, plan your pension, and manage your money — 36 plain-English calculators and a daily finance tracker, all in one app.
Pay once · No account · Your data never leaves your phone
Yours, and yours alone
Zero is built to respect you: one simple purchase, no account to create, and your financial life stays on your device — never on our servers.
Pay once
A single purchase on the App Store or Google Play. No subscription, no in-app purchases, no upsells — ever.
No account
No sign-up, no login, no email. Download the app and start — there's nothing to register and no password to forget.
Stays on your phone
Everything you enter is stored on your device only. Nothing is uploaded, so there's nothing to breach — and you can export or erase it all anytime.
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
36 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, with next-of-kin access. Coming in a future update.
The companion book
Zero: Financial Knowledge
The 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, and available as a Kindle eBook, paperback, or audiobook.
The book and the app are sold separately. The Zero app is a one-off purchase on the App Store or Google Play — every calculator and the full Daily Finance tracker included. No subscription, no account, no sign-up.
Take control of your finances today
Pay once, own it forever. No account, no subscription — and your money data never leaves your phone.