Hi Product Hunt  I built Principal Plan for people who like envelope budgeting but don't want their finances living in someone else's cloud. How it works: income gets split across envelopes the moment it arrives, using an allocation plan you set up once. A paycheck split across a dozen envelopes is one click. What makes it different: • Runs natively on Windows and macOS, works offline, no account or sign-up • Your data stays in a file on your computer • Imports CSV, OFX/QFX and QIF from your bank, with duplicate detection • Optional iPhone/Android companion, end-to-end encrypted, to check balances on the go Pricing: 60-day free trial, then $1.99/month, $19.99/year, or $39.99 once to own it forever. I'd love feedback, especially from anyone who's moved over from another envelope app: what would you need to see to switch?

Principal Plan

Envelope budgeting that runs on your own PC or Mac

Envelope budgeting that runs on your own PC or Mac