Zero: Financial Knowledge

The financial app the UK education system never gave you.

Zero helps you understand your salary, plan your pension, and manage your money - with 36 plain-English calculators and a daily finance tracker in one simple app. No jargon. No sales pitch. No account to create.

Built for real people, not financial professionals.

PAY ONCE. NO ACCOUNT. PRIVATE BY DESIGN.

- One simple purchase - no subscription, no in-app purchases, no upsells, ever.

- No sign-up, no login, no email. Just download and start.

- Everything you enter stays on your device. Nothing is uploaded to our servers, so there's nothing to breach - and you can export or erase all your data at any time.

36 CALCULATORS - PLANNING & PROJECTIONS

See the real numbers behind your money:

- Salary & take-home pay - Income Tax, National Insurance and every deduction, explained

- Pensions - project your retirement income and see how contributions grow over time

- Mortgages - repayments, affordability and the impact of overpaying

- Investments & savings - compound growth, ISAs and more

- Plus loans, tax, budgeting and dozens more

DAILY FINANCE TRACKER

- Track income, tax, bills and transfers across multiple accounts

- See exactly where your money goes each month

- A clear, honest breakdown - entered by you, no bank connection required

LEARN AS YOU GO

Every calculator explains what the numbers mean and why they matter - the savings, pensions, mortgages, investments and tax knowledge most of us were never taught at school.

COMING SOON: DIGITAL LEGACY VAULT

End-to-end encrypted storage for your important accounts, documents and contacts, with next-of-kin access. Arriving in a future update.

THE COMPANION BOOK

Zero: Financial Knowledge is also a book - a plain-English guide to everything the UK education system missed, available as a Kindle eBook, paperback or audiobook. The book and the app are sold separately.

Zero is for financial education and information only and does not provide regulated financial advice. Figures are estimates based on the information you enter. Always consider your own circumstances and seek professional advice where appropriate.