A zero-based budgeting app helps you give every pound of expected income a job, such as bills, food, savings or debt repayments, so your planned income minus spending equals zero. This does not mean spending everything: you can allocate money to savings, an emergency fund or extra debt payments. Look for features such as spending categories, recurring bills, bank syncing, shared budgets and the option to adjust plans when costs change. Check the app’s fees, privacy information and security, and remember to review your budget regularly, particularly if your income varies.