Envelope budgeting no one can shut down.
YNAB-quality zero-based budgeting whose data is an encrypted file on your device. Sync it with any folder-sync tool you already trust — there is no server to breach, acquire, or sunset.
What it does
Month rollover, overspend handling, credit-card payment envelopes — the semantics every clone gets wrong, copied exactly.
Logging an expense is faster than opening a banking app. Polish is the moat.
An encrypted vault file merged deterministically across devices — via Syncthing, iCloud Drive, Nextcloud, or any folder.
CSV, OFX/QFX, and QIF import with a mapping wizard — and the same formats back out.
Ten years and 100k transactions with instant search and reports.
Snap a receipt, get amount, date, and merchant extracted — offline.