Why Fortune Desk? $19.9 once. No subscription. YNAB charges $180/year. We don't. 100% offline. Your data stays yours. No cloud, no accounts, no telemetry. Just a local file you control. All-in-one. Budget, transactions, savings, subscriptions, debt payoff, assets — one app. Zero setup. Download → Unzip → Double-click → Done. Bilingual One click to switch languages. Built by a finance student tired of paying monthly fees. Cheaper than YNAB. Smarter than spreadsheets. More private than cloud.