Pricing update + what's coming (grandfathering, and how to lock in the current price)

Hey everyone, a quick and honest heads up on pricing, plus a couple of improvements landing alongside it.

Starting Monday, July 6, the annual prices are going up a little for new members. Basic goes from $25 to $30 a year, and Pro from $70 to $75. Monthly prices aren't changing.

If you're already subscribed, you don't need to do anything. You're grandfathered in, which means you keep your current price when you renew next year, and every year after. The increase only ever applies to new signups.

And if you've been on the fence about subscribing: sign up before Monday and you lock in today's price for good. That's $25 for Basic or $70 for Pro, and it stays there at every renewal, even after the change.

On the why: I sat down with my accountant and ran the numbers, and to keep Zerosum sustainable as it grows, the annual prices need to come up a bit. Most of it is infrastructure. I'd rather nudge the price for new members now than cut corners on the product. I have no plans to raise it again.

To put it in perspective, the new prices work out to about 40 cents more a month. For comparison, the best-known budgeting app charges $109 a year and doesn't even offer a plan for people who track manually without a bank connection. I still think $30 and $75 are very fair for what you get.

A couple of upgrades landing at the same time:

  • International bank sync now supports 4 institution connections instead of 3.
  • Plaid is coming to the US and Canada very soon, with unlimited connections. If you're in the US or Canada and want automatic syncing, that's the one to watch.

If you've got any questions, just message me. I'm around.

Thanks for being here. It genuinely means a lot.

reddit.com
u/austinmrs — 1 day ago

Recomendação contabilista - Aveiro ou arredores

Boas pessoal Alguém tem recomendação de contabilista à vontade com situações com componente internacional? Sou trabalhador independente com um pequeno SaaS e queria alguém que já tenha lidado com isto:

  • Recebimentos via Merchant of Record (uso a Polar, sediada nos EUA) + emissão de recibos verdes
  • Autoliquidação de IVA (inversão do sujeito passivo) em serviços de fornecedores estrangeiros (AWS, Render, Cloudflare, Plaid…)
  • Modelo 30 / retenção na fonte e Convenção de dupla tributação com os EUA (Modelo 21-RFI)
  • Passar de simplificado -> contabilidade organizada e provavelmente renunciar à isenção do art. 53.º (regime normal de IVA)
  • Bónus se também perceber do Programa Regressar (regime dos ex-residentes)

Sou de Aveiro, mas o ideal seria alguém com quem possa tratar de tudo remotamente (WhatsApp/email), sem reuniões presenciais.

Se conhecerem alguém bom (ou forem vocês ), agradeço o contacto por DM ou aqui nos comentários. Obrigado!

reddit.com
u/austinmrs — 13 days ago
▲ 113 r/zerosumappbudget+1 crossposts

🎉 1,000 Zerosum budgeters. Thank you.

🎉 1,000 Zerosum budgeters. Thank you.

We just crossed 1,000 users on Zerosum this week, and I had to stop and write something down, because this really means a lot to me.

I launched a little over four months ago. The last few weeks especially have been something else. So many of you are coming over from YNAB and from Actual, trying Zerosum out, and deciding to make it your home. As someone who used YNAB for 4+ years as well, this is amazing to see.

There was a user who said that in their mind, they never would consider to pay for a budgeting app, and after trying Zerosum, they changed their mind. That is the highest compliment I can think of. You don't switch from free to paid unless the thing in front of you is genuinely good.

So here's a bit of what people are falling for:

The analytics are, honestly, insanely good. 12 built in reports covering net worth, spending by category and payee, cash flow, income, savings rate, runway, and forecasts, plus fully custom dashboards you can build from dozens of widgets. You can actually understand your money, not just log it.

And the flexibility is the part I'm proudest of. Zerosum bends to how you already budget instead of forcing you into one way:

  • Carry over negative balances. When a category overspends, you choose where the deficit lives. Keep it on the category until you fix it, or let it reduce next month's Ready to Budget. Your call.
  • For Next Month. Don't like budgeting straight into the next month? Set income aside and it shows up in next month's Ready to Budget instead. Live on last month's paycheck.
  • Flexible recurring schedules. Daily, weekly, monthly on a specific day or the Nth weekday, yearly, or any custom interval. Set a bill or paycheck once and forget it.
  • Split transactions, so one purchase can land across multiple categories.
  • Family sharing built in. 1 seat on Basic, up to 5 on Pro, with full access for everyone and no extra subscriptions.
  • Automatic backups with restore option

It's also a PWA, and the mobile experience is genuinely really good. Install it to your home screen and it feels like a native app.

And a few weeks ago I shipped bank syncing through Lunch Flow. This is our very first iteration of automatic imports, and it's just the start. We'll keep improving in that space as Lunch Flow and Zerosum grow together.

To everyone who took a chance on a new app, told a friend, filed feedback, or just showed up: thank you. 1,000 is only the beginning.

Come hang out on Discord and Reddit. Tell me what to build next.

Here's to the next milestone. 🚀

Zerosum website

Discord

https://preview.redd.it/6e4zdj4ng87h1.png?width=3586&format=png&auto=webp&s=eee6a6a62873392450062f2ae30c032ed4831a2a

https://preview.redd.it/2ornvzvng87h1.png?width=3586&format=png&auto=webp&s=0ffd7a2f516af21251c85ea1b2af7ef0908ff8a6

https://preview.redd.it/inct70wng87h1.png?width=3586&format=png&auto=webp&s=b4fe159e5e9d62d7f695b62f7574eb1714fe52ed

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https://preview.redd.it/jfjvfavng87h1.png?width=3586&format=png&auto=webp&s=cfd345e8454913638cec429c75948314fb3cadd7

reddit.com
u/austinmrs — 22 days ago

Welcome YNAB users 👋

Hi everyone, and welcome to all the YNAB users checking out Zerosum.

If you already use envelope / zero-based budgeting, Zerosum should feel pretty familiar: accounts, categories, Ready to Budget, credit cards, transfers, scheduled transactions, goals, reports, and the usual "give every dollar a job" flow are here.

https://preview.redd.it/0widcwxfv06h1.png?width=3586&format=png&auto=webp&s=4165a24f0a16e5fbb104d349f0897b09ff2724ac

A few places to start:

Zerosum has a flexible budget table display. You can show the row progress bar as Spending, Goal, Combined, or Split, or turn the bar off entirely. You can also toggle summary text separately, and there’s Compact rows for the budget table plus a separate compact mode for the transactions table.

https://preview.redd.it/n60mmuqtu06h1.png?width=600&format=png&auto=webp&s=11e41b7ea98751d4e42cbe00988e67216da37732

Goals come in four types:

  • Assign: budget a fixed amount on a monthly, weekly, or biweekly rhythm. Good for rent, subscriptions, or predictable bills.
  • Refill up to: top a category back up to a target amount each month. Good for groceries, gas, dining out, or categories where leftover money should reduce next month’s ask.
  • Save by date: save a target amount by a specific date, optionally repeating. Good for insurance premiums, holidays, annual bills, or planned purchases.
  • Save eventually: track progress toward a target balance without a deadline or monthly pressure. Good for emergency funds or long-term savings.

https://preview.redd.it/e2303p7ou06h1.png?width=1346&format=png&auto=webp&s=4587bd65669ed5fb172cae573f1d874536a89a06

Scheduled and recurring transactions are also pretty deep. You can create future-dated transactions, make them recurring, choose daily / weekly / monthly / yearly schedules, use nth-weekday rules like “last Friday,” set end conditions, and choose how weekend dates should behave. More here: Recurring transactions.

https://preview.redd.it/71vz1brpu06h1.png?width=1346&format=png&auto=webp&s=2e9f041e20cb23c527bc54c46cb91a2c7f9eb96e

There are also a lot of reports and analytics: spending by category/payee, trends, income reports, net worth, cash flow, savings rate, forecasts, monthly reports, and custom dashboards.

https://preview.redd.it/0g4vkjcfv06h1.png?width=3586&format=png&auto=webp&s=674477ee13fd7fcdb5c1763423394bb2cf981fa6

Happy to answer questions, and genuinely glad to have you here.

reddit.com
u/austinmrs — 28 days ago

Simplifying our Goals system — proposal

> Status: Draft for the roadmap board. Goal of this post is to gather feedback before we commit to a final design. Not shipping any time soon — looking for community input first.


Why we're doing this

Right now, Zerosum has a lot of goal types. Under the hood: 5 cadences (Weekly / Biweekly / Monthly / Yearly / Custom) crossed with 3 behaviors (Set Aside / Refill Up To / Reach Balance), plus optional repeat intervals, optional caps, optional due dates. That's 11 distinct configurations a user can build in the goal dialog.

Looking at how people actually use the system, ~95% of goals fit into 4 simple patterns. The remaining complexity buys us the last 5% of edge cases at the cost of:

  • A confusing "Choose Goal Type" picker
  • Hard-to-explain behavior differences (Set Aside vs Refill Up To is genuinely confusing)
  • A goal dialog with cadence tabs, day-of-week pickers, biweekly anchors, and behavior cards that's a lot to navigate

So I want to simplify — tightened down to the patterns I've seen real users actually use.


The proposal: 4 goal types

1. Save by Date

"I need $X by [date]." Optionally repeats yearly / every N months / every N years.

  • Annual insurance bill: $1200 by Dec 1, repeats yearly
  • Vacation: $3000 by June 1
  • Quarterly tax payment: $2500 every 3 months
  • Wedding next year: $15000 by next September

2. Save Eventually

"I want to have $X someday — no specific deadline, just put in what I can."

  • Emergency fund: $20,000
  • "Buy a Tesla" fund: $50,000

3. Monthly Assign

"Put $X in this category every period, no matter what." Frequency defaults to monthly; weekly and biweekly available for users who want per-occurrence precision (e.g. allowance, biweekly paycheck patterns). Optional cap: stop asking once the category has $Y total.

  • Groceries: $600/month
  • Allowance: $50 every Friday
  • Dog expenses: $50/month, stop at $500

4. Refill Up To

"Keep this category topped up to $X — refill what got spent." Optional new feature: monthly cap on how much to ask for.

  • Gas: refill to $300
  • Slow-fill emergency fund: refill to $5000, but only ask $50/month
  • Mortgage: refill to monthly payment amount

What's going away

To get there, we need to drop a few things. Honest list:

  • Weekly / biweekly Refill Up To goals (currently 11 of them across a handful of users). Refill Up To becomes monthly-only. The target balance is preserved — if you had "refill to $300 weekly," you'll get "refill to $300 monthly." The category still ends up at $300, just refilled in one monthly pass instead of weekly nudges. Weekly / biweekly Set Aside goals (e.g. allowance, biweekly paycheck patterns) stay as a frequency option inside Monthly Assign.
  • The explicit Set Aside / Refill Up To / Reach Balance behavior toggle. Each new type pins one behavior, so you don't have to reason about which one to pick.
  • Day-of-month scheduling for monthly goals. No more "due on the 15th" precision. Goals just fund "during the month" — the "Need $X" prompt appears whenever you're underfunded. (Day-of-week for weekly/biweekly Monthly Assign stays — still anchors the cycle.)
  • Reach Balance with a deadline as a separate type. Use Save by Date instead — same outcome.

What's new

  • Refill Up To monthly cap. Today, Refill Up To has no cap on how much it asks for per month. New optional knob: "Refill to $5000, but max $50/month." Useful for slow-fill big targets without aggressive monthly asks.

How Save by Date works (worth understanding)

Save by Date is balance-aware — it looks at what's actually in the category, not just what you've assigned this month. Concretely:

Imagine $1200 for annual car insurance, due December. The bill comes, you pay it, and $200 is leftover in the category.

Next cycle, the goal sees the $200 carryover and only asks you to save the remaining $1000 spread across 11 months (~$91/month). And if you spend money out of the category mid-year for some reason, the goal automatically re-asks for the difference — you don't have to remember to top it up manually.

This handles real-world cases like "I had $40 leftover from last year's insurance — count that toward this year" without requiring any manual adjustment from you. The trade-off: in months where you spend from the category, the goal will nudge you to refill it. If that feels off in some scenario, please flag it.


What happens to existing goals

Everyone's existing goals will be auto-migrated to the closest equivalent. You won't have to redo anything.

Today After Notes
Weekly / Biweekly Set Aside Monthly Assign with Weekly / Biweekly frequency Target and day-of-week preserved exactly — no math change
Weekly / Biweekly Refill Up To Refill Up To (monthly cadence) Target balance preserved; refill ask happens once a month instead of weekly
Monthly Set Aside (with optional cap) Monthly Assign Cap preserved
Monthly Refill Up To Refill Up To
Yearly Set Aside / Refill Up To Save by Date with yearly repeat
Custom Set Aside / Refill Up To with due date Save by Date Repeat preserved if set
Custom Reach Balance, no due date Save Eventually
Custom Reach Balance with due date Save by Date

Behavior changes worth knowing about

Auto-migration is functionally clean for most goals, but there are real shifts for a few groups:

  • Yearly Set Aside, Custom Set Aside with a due date, and dated Reach Balance goals (~80 goals). These currently track what you've assigned (or live balance, in Reach Balance's case). After migration, they'll check what's actually in the category at the start of the month. Concretely: if you spend mid-cycle, the goal will start asking you to refill the difference. This is what most people actually want when saving for a dated target — but if you specifically liked the "just track what I've put in, ignore spending" behavior, please flag it. It's a real semantic shift.
  • Weekly / biweekly Refill Up To goals (11 goals). Same target balance, but the refill ask becomes monthly instead of weekly nudges.

I'll reach out to affected users individually before the migration goes live.


What I'd love your input on

  1. Coverage gaps — is there a goal pattern you use today that doesn't fit into one of the 4 new types? Be specific: "I save for X by doing Y".
  2. Naming — do "Save by Date / Save Eventually / Monthly Assign / Refill Up To" feel clear? Confusing? Got better names?
  3. Save by Date behavior — does the balance-aware behavior described above feel right? Any scenarios where you'd want it not to re-ask after you spend?
  4. Anything you'll genuinely miss from the current system?

This isn't shipping tomorrow — just gathering input before I commit. I'll share a final design after a couple of weeks of feedback.

Thanks 🙏

reddit.com
u/austinmrs — 2 months ago
▲ 73 r/zerosumappbudget+2 crossposts

See two budget months at once, mass-edit smarter, and a faster everything. This release brings the long-requested split-month view to the budget table on desktop, sharpens the multi-select toolbar end to end, and rolls in dozens of speed and polish wins across transactions, analytics, and the sidebar.

📊 Compare Months Side by Side (Desktop)

  • One-click compare. A new Compare button in the budget toolbar opens a second month-trio of columns (Budgeted / Activity / Available) right next to the current one. The category column stays shared so each row lines up across both months.
  • Older on the left, newer on the right. Position is driven by chronology — pick any two months and the older one always sits first.
  • Linked navigation. A Lock toggle next to the Compare button keeps both panes in step. Locked: pressing prev, next, or Today on either side moves both, preserving the offset between them. Unlocked: each pane navigates independently — perfect for arbitrary year-over-year comparisons (e.g. March 2024 vs March 2025).
  • Fully editable, both sides. Every Budgeted cell is independently editable in either pane. Carryover propagates automatically — assigning in one month instantly updates the other's Available.

Comparing two months side by side

🎯 Multi-Select Toolbar — Redesigned

  • Net summary at a glance. Selecting multiple categories now surfaces running totals — count, total Budgeted, total Activity, total Available — directly on the toolbar, with a colored net delta.
  • Primary and overflow actions. The most-used bulk actions sit visible on the toolbar; secondary actions tuck into an overflow menu so the bar stays scannable on smaller screens.
  • Mobile drawers. Bulk actions on mobile now open in proper drawers instead of cramped popovers — more room for category pickers, amount inputs, and tag selections.

📋 Transactions — Quicker Hands

  • Default cleared status. A new preference in your account settings lets you choose whether new transactions land cleared or uncleared by default. Match the workflow of your bank, not ours.
  • Row-actions menu. Click the new ⋯ menu on any transaction row to reach common actions (categorize, set payee, duplicate, delete) without opening the full edit panel.
  • Mobile status entry. Toggling cleared/reconciled on mobile is now a one-tap dedicated control instead of being buried in the edit drawer.
  • Split-aware calendar. The date popover on a split transaction now shows split indicators on each day, so you can see at a glance which days have splits.
  • Mixed-sign splits. A split transaction can now mix positive and negative legs — making it possible to model YNAB-style gross-pay imports (paycheck + tax/deduction lines on a single transaction).

📈 Analytics — Sticky & Steady

  • Filters stick where you left them. Active analytics filters are now remembered per user, per budget, per view — switch tabs or reload and your scope is preserved.
  • Sticky table headers in Income vs Expense. Group rows and column headers stay pinned as you scroll long lists.
  • Account filter parity with the rest of the app — closed accounts are hidden, group selections respected.
  • Charts no longer re-animate after the first paint. Switching tabs, scrolling, or filtering no longer triggers a fresh roll-up.
  • Softer Sankey hover. Non-hovered flows in the Sankey diagram fade just enough to highlight your selection without disappearing.

🛠️ Fixes & Polish

  • Sidebar footer. Stacked layout on the left sidebar with a more prominent Undo / Redo / History cluster.
  • Tag popover anchoring. The tag picker on transactions now anchors correctly to the cell it was opened from, even when the row scrolls or wraps.
  • Optimistic id collisions. Duplicating a transaction and immediately creating another no longer collides on the in-flight optimistic id.

⚡ Speed (Under the Hood)

  • Transactions list is significantly faster. A series of database query refactors (smaller payloads, fewer round-trips, lazy-loaded display data) make the transactions page snappier on budgets with thousands of transactions. You should feel it on first paint and on every filter change.

📚 Help center

u/austinmrs — 1 month ago