Zero-based budgeting has a simple, slightly ruthless premise: every dollar gets a job, so income minus everything-you-assign equals zero. Nothing is left "floating" and leaking away. It's the method behind a lot of the popular budgeting apps — and it works, because it forces you to decide on purpose rather than find out at the end of the month.
The catch is that doing it by hand in a spreadsheet is tedious enough that most people quit. This expense tracker lets you run the zero-based approach without that grind — assign your income across categories, track what actually lands, and see the gaps. Just try it, no signup. The method is free; the discipline is the only bit you have to bring.