---
title: "Zero Before 30 — tell it what happened to your money"
url: https://zerobefore30.com/
updated: 2026-10-30
---

# Tell it what happened to your money.

Zero Before 30 (Z30) is a money tracker for salary earners in Pakistan. Write it the way you'd say it, in English or Roman Urdu. Z30 records it, and keeps track of who owes you, who you owe, and what's left of your salary.

## No forms. No category menus. One line.

Most finance apps want you to open a form for every coffee. Z30 reads a sentence and does the rest. If something important is unclear, it asks one short question instead of guessing.

| You write | Z30 records |
| --- | --- |
| `petrol 450 cash` | Expense, Rs 450, paid in cash. Today's date. |
| `Ali ne 2000 wapas kiye` | Ali paid back Rs 2,000, linked to the original loan. He owes you the rest. |
| `HBL se cash 10000 nikale` | A transfer between your own accounts. Not counted as spending. |
| `پیٹرول ۴۵۰ نقد` | Urdu script is still in testing and may make mistakes during the beta. |
| `Amjad 4800` | Z30 asks: did you lend, borrow, or pay him? It won't guess with your money. |

Made a mistake? Tap Undo. Entries are never silently erased; a corrected or deleted entry stays in your history.

## Your money has people in it.

Salary earners lend to friends, borrow from cousins, take cash out of the bank, wait for repayments. Z30 treats each of these as what it really is, so your totals aren't wrong and you always know who owes whom. Your balances are calculated from your recorded entries, not from guesses.

## Three steps, about five seconds.

1. You write one line, in English, Roman Urdu or Urdu. Any mix.
2. Z30 understands it. If one important detail is missing, it asks one short question.
3. It's recorded, and undoable. Your totals and balances update from your recorded entries.

## A small, honest beta.

Z30 runs in your browser and can be added to your home screen. English and Roman Urdu work today; Urdu script is still being tested. It's free during the beta. Your entries are private to your account. Start in under a minute with email and password: no download, no card.

## Frequently asked questions

**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.

[Start free](https://zerobefore30.com/app) · [Pricing](https://zerobefore30.com/pricing.md) · Made in Pakistan