Zero: Financial Knowledge

• 34 interactive calculators — mortgage repayments and overpayments, offset and fixed-vs-tracker comparisons, stamp duty, ISA and investment growth, pension tax relief and the annual allowance, retirement drawdown, State Pension, Capital Gains Tax, Inheritance Tax, salary breakdown, emergency fund, Premium Bonds and more.

• A private daily finance tracker — log income, bills, transfers and accounts, see your tax and deductions, and keep a clear picture of where your money goes.

• Plain-English guidance — clear explanations on every calculator, so you learn as you go. No jargon, no assumptions.

• Made to fit you — a quick profile tailors figures to your age and situation; adjust text size, hide sensitive values at a glance, and switch between light and dark themes.

PRIVATE BY DESIGN
Zero has no user accounts and no backend. All data is stored locally on your device. Optional analytics are anonymous and strictly opt-in. Export everything as a file, or erase all data, at any time.

ONE FAIR PRICE
Pay once. No adverts, no subscriptions, no in-app purchases, no upsells. That's it.

FOR UK RESIDENTS AND EXPATS
Whether you're in the UK or a British expat keeping on top of ISAs, pensions and UK tax from abroad, Zero speaks your financial language.

IMPORTANT
Zero provides financial education and general information only. It is not regulated financial advice. For decisions about your specific circumstances, please consult a qualified, regulated adviser.