01 · Envelopes
A place for every dollar.
Group envelopes, pick an emoji, and see what's left in each one.
- Rent100%
- Food60%
Zero-based budgetingGive every dollar
Give every dollar
a job.
Add your income, split it into envelopes until there's nothing left to assign, then log spending as it happens. ZeroBase IQ shows what's left in each envelope at a glance.
Free to start. Sign in with Google.
This month$0 left to assign
- Rent$1,450
- Groceries$384 left
- Savings$450
- Fun$60 left
Everything a monthly budget needs
- Envelopes
- Income sources
- Transactions
- Savings goals
- Rollover
- CSV import
- CSV export
- Spending charts
- Yearly view
- Budget cycles
The problem
Money leaves before you decide where it goes.
Without a plan for each dollar, the month ends and you're not sure where it went.
- 1No plan up frontSpending decides the budget, not the other way round.
- 2Surprises every monthYearly bills and small leaks add up.
- 3Savings come lastWhatever is left over, if anything.
Product tour
From paycheck to plan, in one loop.
Add what's coming in.
Log each source of income for the cycle. That's the money you get to assign.
- Paycheck1st and 15th$4,200
- Side workThis month$600
What's inside
Simple tools for a budget you'll keep.
02 · Savings goals
Watch goals fill up.
Set a target on any envelope and track how close you are.
62%
Vacation$1,240 of $2,000
03 · Rollover
Leftovers carry forward.
Choose per envelope whether unspent money rolls over or resets each cycle.
Rolls overResets each cycle
04 · Import and export
Bring your bank data in.
Import transactions from a CSV and export your budget whenever you want.
- bank-october.csv48 transactionsImport
05 · Charts
See where it went.
Spending by envelope, as a pie and over time.
Needs
62%
Wants
23%
Saving
15%
06 · Yearly view
The whole year at once.
Every month and every envelope in one table, with totals.
12months, side by side
How it works
Add. Assign. Spend. Review.
Add income
Log the income you expect this cycle.
$4,800to assign
Try it
Where should this month's money go?
Pick an income and see a simple starting split.
ResultA starting split for $2,500
- Needs$1,500
- Wants$625
- Saving$375
Part of the IQ suite
One account. Every IQ app.
Sign in once with Google and switch between apps from the top left corner of any of them.
- Design System IQBuild and govern your design system
- Research IQResearch projects, sources and insights
- Get It Done IQTasks, focus timer and today's top 3
- Backlog IQRank ideas and plan what's next
- Note It IQNotes and notebooks
- Track It IQProjects in board, table and timeline
- Presence IQGrade your website and fix it
- MediaPrep IQPrepare images, video and PDFs
- MyPath IQJob search and career path
- Campaign IQPlan, launch and track campaigns
- Promotion IQBanners, popups and offers across every app
Pricing
Free while we launch.
Every feature is free right now. If we add paid plans later, we'll tell you first.
- Unlimited envelopes
- Savings goals and rollover
- CSV import and export
- Spending charts
- Yearly view
FAQ
Questions, answered.
What is zero-based budgeting?
You assign every dollar of income to a purpose, including savings, until there's nothing left to assign. Income minus assigned equals zero.
Do I have to connect my bank?
No. Add transactions by hand or import a CSV you download from your bank.
Can I see the whole year?
Yes. The yearly view shows every month and envelope with totals.
Does it work on my phone?
Yes, it works in your phone's browser.
Does it work with the other IQ apps?
Yes. Same sign-in, and you can switch apps from the top left corner.