r/zerosumappbudget

Am I correct in understanding that to get the bank sync feature, I have to subscribe to pro? It’s still a savings over YNAB but dang, I thought I was going to be saving a lot more.

First, thank you for creating a fantastic product. Congratulations to you, and please know that the price increase is incredibly justified.

Out of curiosity, if we start a free trial tonight, are we still eligible for the grandfathered price once the trial finishes, or does our paid subscription have to begin before tomorrow (essentially no free trial) to receive the lower price?

Thank you!

Yet another "I made the switch!" post. After looking around at the various alternatives to YNAB, I settled on Zerosum and have absolutely loved it. I just subscribed today without finishing the full free trial because I was sold. It feels familiar as a 5-year user of YNAB but with some extra polish as well as even better analytics tools. I appreciate the tiered pricing as someone who has always done manual budgeting (handjamming makes me ~feel~ more connected to my money, lol).

One feature I was not expecting to love as much as I do is the Calendar. It's a great little overview of how I am spending throughout the month. I also enjoy how customizable everything is in-house without needing to install any extra toolkits. Having control over my budget and the different ways to view it is great.

Excited to be here as things keep developing!

It is possible to export my budget data (plan and registry) for migrating to a different app? I saw the option to 'Request a GDPR export'. Is that the same thing? If that option isn't currently available, will it be in the future? Thanks!

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.

[ANSWERED: TYSM!]

Hi all, I feel a little silly asking this, but I used a different budgeting app for 15 years and I’m just working to switch to ZS.

Here’s my Q: *How do I search* all transactions either in the transactions section or per account?

I want to search by a term that may be in a note, but I can also see why I might want to search by tag (once I figure out how to set those up) or things like that, too.

I have worked in tech, so I’m capable (ha!), but am having trouble finding this feature two weeks into my ZS trial.

Generally I prefer a larger screen/layout, but right now I’m on my phone, so things are a little more condensed.

Thanks to anyone who can help!

I'm fairly new so maybe I just haven't looked in the right place?

In the right-hand Inspection Pane, YNAB has a section called "Auto Assign" that provides 12-month rolling "Spent" and "Assigned" averages. I feel lost without this info! I hadn't even realized how often I reference that info until I couldn't find it in Zerosum.

The only way I've been able to replicate this info in ZS is in Analytics => By Category => then selecting "none" and then turning on individual categories one at a time. [Obviously a seriously clunky procedure.]

Am I missing something? Is this something that might be added soon? In YNAB each of these lines is a link that will automatically budget that amount; although that can be handy, it's not critical. Just text would be greatly appreciated.

https://preview.redd.it/8rvformne8bh1.jpg?width=624&format=pjpg&auto=webp&s=e8208b920b6fa91dde209aec583058f4483ef2fc

Good Morning,

I was working on my budget this morning and I came across an edge-case (i think). Basically, my husband used his account (off budget) to pay off a shared credit card (on-budget). I am not entirely sure how zerosum expects me to handle this as It doesn't appear that i am allowed to record cc payments to my on-budget CC from an off- budget account. It's not income since it didn't come to me first.

Note: I did use YNAB for almost 10 years before switching to zerosum in June this year, and i am aware of how CC's work in ynab and zerosum and am obviously familiar with zero-based budgeting.

This 1 transaction is throwing a wrench into my budget LOL.

How do most people use the ability to set the analytics/category colors? I’m trying to figure how to set this up that is useful. Thank you!

I have a single synced transaction on one account that didn't match up with my manually entered transaction. Date, Payee, Amount are all identical. I see no way to manually match a transaction, I'm sure I'm missing something.

When viewing transactions, I can either view all transactions (except "ready to review"), or I can view only "ready to review", but not both together. So I see no way to select the manually entered and bank-synced at the same time to match them.

The goals changed today, but i cant work put how to do this.

I want to set aside $150 for xmas, spending along the way.
$150 assigned between now and Dec, but the balance changes month to month.

I just completed my switch to Zerosum, after running it in parallel with my longstanding YNAB account for the past few weeks. It does everything I need, and I really appreciate how responsive the developer is. Looking forward to an app that treats me like an adult, letting me customize things like sidebar and account groupings. I always did manual entry in YNAB and will continue to do so in ZS, and I don't even use the analytics much. To me, being able to keep up with the envelope budgeting method and know that I'm spending within the limits I've defined is extremely powerful in itself.

1. How do I move a category to a different category group?

2. Is "Payee" always mandatory? I enter transactions manually, and I usually skip this step, I only use it to track my income sources. Is there a way to let it save my transaction without payee?

Wondering when in July Plaid will take over Lunch Flow? Lunch Flow is taking 5-6 days to sync transactions from my bank. Is anyone else experiencing this?

In other budget apps I had my mortgage set up as a normal tracking account/liability. I'm trying to use the Zerosum Loan account setup to access some of the extra projections/analyical insights. I've run into two problems:

• Can't change the date interest is recorded. Interest is charged against my account on the 28th of each month (same as the date of settlement/loan opened) however in Zerosum it can only be applied to the 1st of each month. This means there is an "expected" interest amount applied on the 1st that I can't correct until the 28th. Other option would be to delete the automatic interest payment each month and record it as an adjustment instead but I'm not sure if that will affect the calculations.
• The goal target for my Mortgage category is set up as $447.50 weekly as I receive my salary weekly and pay my mortgage fortnightly. When viewing the Mortgage category goal from within the Loan account, it says the monthly goal total is $447.50. I imagine this is a weird language carry over where the Loan account assumes the goal is monthly, even though the current due amount is for a weekly interval. Editing the goal amount from within the Loan screen only allows a monthly interval. I imagine the maths is more complex on the Loan screen than Budget screen which is why there is less flexibility in goal settings.
• This also creates a disconnect between default payment and minimum payment. My monthly minimum is $1790, but my default payment is $895 fortnightly. These are not the same thing but the app is treating default & minimum interchangeably.

Ideal solution for me would be: able to edit the date interest is recorded, change the default payment interval, and align Loan goal settings with Budget goal settings.

I just imported my YNAB budget via the personal access token. My Discover card in YNAB has $1,290.76 budgeted towards it, which equals the balance on the card. After importing to zero sum, I am showing $1,289.08 budgeted towards my Discover card, with a card balance of $1,290.76, same as in YNAB. ZS therefore thinks my payment amount is short $1.68. What could have happened upon import to cause this? Everything else looks fine!

I have to say I love zerosum. I'm new to budgeting and it's been just over two weeks and have already learned a lot about where my money goes. I have a couple of questions that most know but I can't quite grasp the issue.

I get paid weekly, The instructions tell me to budget weekly when I get a paycheck. Do I ever get to a point where I can budget for the month?

When the the budget move to July. In the credit card section it's yellow with numbers in it that I presume is budgeted but don't ever remember doing it or is it payments already been made?

Thank you for any help you can give me

Following up on a previous request regarding tracking account balances to budget categories, I have started keeping my savings accounts "on-budget."

While this approach is helpful, I’ve run into a friction point: the total "Ready to Budget" amount lumps all of my funds together. Currently, it doesn't differentiate between my actual working capital (e.g., my recent salary) and the funds that are sitting in my savings accounts which are for irregular payments.

Proposed Solution: It would be incredibly useful if the main unassigned pool could be visually broken down into two distinct sub-categories:

• Ready to Budget: For regular salary and everyday cash flow.
• Savings Pot (or similar): For funds that are on-budget but physically reside in a savings account.

This separation would make it much easier to allocate funds without accidentally budgeting money that is meant to stay in savings.

EDIT: The request is more to get a visual total of the Ready to Assign vs already allocated total amount in Savings pot that is "On Budget"

New user, imported from YNAB yesterday, now trying to enter all my scheduled recurring transactions. The longer I use the app and/or the more transactions I enter, the more things slow down, typing a character in a text field or tabbing between fields sometimes takes multiple seconds. FF keeps freezing and giving the error "This page is slowing down Firefox. To speed up your browser, stop this page".

Refreshing the page improves things for a few minutes but then things start lagging again.

I use FF for everything and haven't had this issue before.

Hi, new user here. Is there a way to enter a transaction now but keep a future date? My pay arrived in my bank early due to a holiday, but the posted date won’t be until Friday. When I enter it with Friday’s date, it shows as scheduled; if I enter it today, it takes today’s date. Can I enter it now and have it affect the budget while keeping Friday as the posted date?