BudgetFlow is a modern, native Windows monthly budget planner built for 100% privacy. • 100% Offline Vault: No servers, no accounts, and zero tracking. • 50/30/20 & Envelopes: Smart allocation for Needs, Wants, and Savings. • Multi-Currency: Full support for $, €, £, ₹, ¥, CAD, AUD. • Windows 11 Fluent UI: Fast desktop app with dark mode. • Honest Pricing: 30-day free trial, then $14.99 one-time lifetime license. No subscriptions.