ZeroSum

ZeroSum

ZeroSum is an open-source personal finance and budgeting application. It allows users to track income, expenses, savings goals, investments, and net worth over time. Key features include customizable categories and budgets, graphical reports, multi-currency support, online bankin
personal-finance budgeting expenses income investments net-worth

ZeroSum: Personal Finance Budgeting Application

Open-source personal finance software for tracking income, expenses, savings goals, investments, and net worth, with customizable categories, graphical reports, multi-currency support, online banking imports, and financial calculations.

What is ZeroSum?

ZeroSum is an open-source personal finance and budgeting desktop application used by individuals and households to manage their finances. It was created in 2008 by a group of software developers and personal finance enthusiasts to provide an easy-to-use tool for tracking personal finances over time.

Some of the key features of ZeroSum include:

  • Income & expense tracking - Users can add their income sources and day-to-day expense transactions to monitor cash flow.
  • Budgeting - Flexible budgeting features allow users to set budgets by category and track spending against those budgets each month.
  • Graphs & reports - Charts and graphs provide visual summaries of spending patterns, budget vs actual performance, net worth over time, and more.
  • Goal setting - Users can define short and long term savings goals and track progress towards achieving them.
  • Investment tracking - Online quotes and reporting allow users to monitor investment accounts from a single place.
  • Debt tracking - Loans, credit cards, and other liabilities can be tracked over time.
  • Online banking downloads - Transactions can be imported automatically from banks and financial institutions.
  • Customizable categories & payees - Users can create categories and manage payees that match their spending habits.

By centralizing financial information, ZeroSum makes it easier for users to analyze their finances, identify waste, guide decision making, and develop and stick to plans that maximize savings. It is available for Windows, Mac, and Linux platforms and has been translated into over 15 languages by volunteers around the world.

ZeroSum Features

Features

  1. Customizable categories and budgets
  2. Graphical reports
  3. Multi-currency support
  4. Online banking imports
  5. Financial calculations
  6. Net worth tracking
  7. Income and expense tracking
  8. Savings goals
  9. Investment tracking

Pricing

  • Open Source

Pros

Free and open source

Customizable

Good graphical reports

Bank imports

Multi-currency support

Cons

No mobile app

Limited reporting

Steep learning curve

Official Links


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