GoldFrame Budget

What it does

YNAB costs $109/year and keeps raising its price. GoldFrame Budget is the offline alternative. Zero-based envelope budgeting in a single HTML file. No account. No bank sync. No subscription. Your financial data never leaves your machine. Open the file. Set your income. Assign every dollar to an envelope. Done in 60 seconds. Includes transaction logging, monthly rollover, net worth tracking, and 8 currency support. Free to download. $19 once removes the watermark permanently. You own it forever.

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