Zero-based monthly budget (every dollar assigned a job before the month begins). Envelope method per category (groceries, gas, eating out, entertainment). Transaction log with per-transaction envelope deduction. Month-end reports: did you stay in or bust each envelope. Rolling balance for sinking funds (car repair, vet, Christmas).
Every dollar assigned a job before the month starts. Income → envelopes → zero. If your plan doesn't zero out, it's not a budget yet. Carry-over logic for unspent category balances.
Per category: groceries, gas, eating out, entertainment, subscriptions. Running balance as transactions post. Red warning when envelope runs low. Stops the "I meant to stop spending on X" drift.
Manual entry or CSV import from your bank. Assign each transaction to an envelope. Split transactions across envelopes ("Costco run was 60% groceries, 40% household"). Notes + search.
Set-aside categories for irregular expenses: car repair, vet, Christmas, annual subscriptions, vacation. Monthly contribution target. Running balance grows all year. No surprise big-bill months.
Per envelope: budgeted vs spent vs remaining. 12-month rolling view. Overspent categories in red. Under-spent in green (for fund transfer). Honest data for next month's plan.
Flask + SQLite. Your transaction history, budget categories, financial goals stay on your machine. No ads targeting you based on your spending. No lead-sale to credit cards.
Hosted plans are early-access. Self-host today; email tim@dangercorn.net to join the waitlist.
budgetbuddy is one of 220+ verticals scaffolded from the same template. Each gets a working skeleton for free; individual ones get promoted to full products as demand surfaces.