Most budgeting apps tell you where your money went. WhenZero projects it forward — day by day, paycheck by paycheck — so you can see what is actually left after the bills, and the date each card and loan is finally paid off.
Categorising last month's spending is a solved problem. Knowing whether rent clears before Friday is the question that actually keeps people awake.
Accurate, tidy, and about a month too late to be any use.
A day-by-day projection three years out, with card interest accruing daily and every bill on its real due date.
What lands, what leaves, and what is genuinely spendable between now and the next payday — not an average, the actual number.
Every debt gets a date. Put an extra $50 somewhere and watch the date move — that is the whole feedback loop.
Drop in a CSV, OFX or PDF statement. It reads the amounts and the bank name, and strips names, addresses and account numbers as it goes.
This is the real amortisation the app runs, just with one debt instead of all of them. Drag the sliders.
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WhenZero has no accounts, no servers holding your finances, and no bank connections. Everything you type is stored by your own browser. There is no copy of it anywhere else — not with us, not with anyone.
That is a design decision, not a promise about how carefully we guard a database. We cannot leak what we were never given.
Open the appOne plan with everything in it. No free tier pretending to be enough, no expensive tier with nothing in it.
or $69 a year — 36% less than paying monthly
No card to start. Sign in with a code sent to your email when you subscribe — there is no password to lose.
You subscribe, or the app stops opening. Nothing is deleted — your figures stay on your device, and you can download a backup at any point, including after the trial ends.
No, and you can't — there is no bank connection to make. You enter your bills and paychecks once, or import a statement file you downloaded yourself. It takes about ten minutes and then it mostly runs itself.
You lose your plan, because your browser is the only place it lives. Use the backup button in Settings to download a file you can restore from. This is the trade-off of keeping everything on your device, and it is a real one.
No. WhenZero is arithmetic — it projects the numbers you give it and shows you the result. It does not recommend products, and it is not a substitute for advice from someone qualified to give it.
WhenZero installs to your home screen straight from the browser and then opens like any other app, offline included. There is nothing to download from an app store.
It reads the file in your browser and strips names, addresses, account numbers, card numbers, emails and phone numbers while parsing — before anything reaches the screen or gets saved. It keeps the bank's name so it can set up the right account, and the amounts and dates. Nothing is uploaded.
One person, building it because the spreadsheet version stopped being enough. Email is the support channel and it reaches a human.
Ten minutes of setup for a date you can actually plan around. Three weeks free to decide.
Start free — 21 days