The strategy of a zero-based budget is to give every dollar an assignment. The goal is to have nothing or (or “zero”) left to assign. This strategy matches YNAB’s first rule: “Give Every Dollar A Job | You’re the boss.
The Goodbudget Budget Planner is similar to other budgeting apps because it syncs transactions and has a “debt progress report.” However, it boasts “based on the envelope budgeting method.