I built an offline budgeting tool because I got tired of paying $109/year to be told I'm broke

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.

Free to download and try. $19 once to unlock permanently. No renewal. Ever.

Would love honest feedback from anyone who's been through the YNAB price increase cycle — what would you actually want in an offline alternative?