Hey Product Hunt 👋 I'm Nikhil, and this is Free Cash Envelope Tracker — a digital version of the classic cash-stuffing budgeting method, built to solve one specific annoyance: most budgeting apps want your bank login and a subscription before you've even decided if you like them. This one asks for neither. Create digital envelopes for rent, groceries, whatever matters to your budget, log expenses, and watch your balances update live. Everything stays in your own browser — no account, no server, nobody but you sees your data. Export a PDF or Excel copy anytime you want a backup. A bit of context on how this got built: I don't have a traditional coding background. I built this entire product through AI-assisted development — planning, debugging, and design, all through iteration rather than writing code by hand from scratch. It's also app #1 in a personal challenge I've set for myself: ship 26 free web apps this year, no signups, no accounts, no backends, just useful tools that don't cost anything to use. It's genuinely free — no premium tier, no ad wall. If it helps you and you want to support it, there's a small optional donation link on the site, but that's it. I'd love your feedback, especially if something feels missing, confusing, or just wrong — this is still an early, actively developed tool, and real usage is what's shaping what I build next. Happy to answer any questions here today. Thanks for taking a look 🙏

Free Cash Envelope Tracker

Free digital cash envelopes. No signup, no bank login.

Free digital cash envelopes. No signup, no bank login.