FREE BETA · MADE FOR PAKISTAN
Tell it what happened to your money.
One line, the way you'd say it. English or Roman Urdu. Z30 records it, tracks who owes whom, and shows where your salary went.
No download. No card. Works in your browser.
Recent
Example entries for illustration
01 · One line
No forms. No category menus. Just write it.
Type it like a WhatsApp message. Z30 works out what it is, how much, and how you paid. Wrong? One tap to undo, and the history is kept.
Example entries for illustration
02 · Udhaar
Know who owes you. And whom you owe.
"Ali ko 5000 diye." "Ali ne 2000 wapas kiye." Z30 links the payback to the loan and keeps the balance right, so lending never shows up as spending.
Example people and amounts for illustration
03 · Your month
Where did the salary go? Just ask.
"Is mahine kitna kharch hua?" Z30 answers from what you recorded, and the Month view breaks it down by category. Every number comes from your own entries.
November
Example entries for illustration
HOW IT WORKS
Three steps. About five seconds.
Write one line
English, Roman Urdu, or a mix. Or use your keyboard's mic.
Z30 records it
Expense, income, udhaar, payback or transfer. Your totals update.
Fix it in one tap
Undo or correct anytime. Nothing is silently erased.
Private by design. Free during the beta.
Never touches your bank
No bank logins, card numbers or CNIC. Z30 never moves money.
Your entries are yours
Private to your account, and backed up every night.
Free while in beta
No payment details needed. Plans from launch
Good to know
What is Zero Before 30 (Z30)?
A money tracker for salary earners in Pakistan. You type what happened to your money in one line, in English, Roman Urdu or Urdu, and Z30 records it as an expense, income, loan, repayment or transfer.
Does Z30 work in Roman Urdu?
Yes. English and Roman Urdu work today and can be mixed. Urdu script is still being tested.
Does Z30 connect to my bank?
No. Z30 never connects to your bank and never moves money. It does not ask for bank logins, card numbers or CNIC.
Can Z30 track money I lent to friends?
Yes. It records money you lent and borrowed, including partial repayments, and shows who owes you and whom you owe.
Do I need to download an app?
No. Z30 runs in your browser and can be added to your phone's home screen.
How much does Z30 cost?
Z30 is free during the beta, and no payment details are needed. From public launch, new accounts get a 7-day free trial, then plans are Rs 799 for 1 month, Rs 1,199 for 3 months, or Rs 10,000 lifetime, and do not renew automatically.