YNAB hits $109/year now. That's more than my Netflix, Spotify and a bunch of other subscriptions combined. For envelope budgeting. Which is literally just math.
So I built GoldFrame Budget.
Single HTML file. Opens in your browser. No account. No bank sync. No subscription. Your financial data never touches a server it lives on your machine.
Zero-based envelope budgeting, transaction logging, monthly rollover, net worth tracking. Everything YNAB does for the core use case. Nothing it does that requires your bank login.
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.
