Better budgeting software inspired by YNAB4 and the envelope system
Financier is a web-based personal budgeting application built around the budget-to-zero envelope method, designed as a spiritual successor to YNAB4. It works fully offline in the browser across Windows, macOS, and Linux, with optional cloud sync for accessing your budget across multiple devices.
Assign every dollar to a category envelope using the budget-to-zero methodology.
Fully functional in the browser without an internet connection — data stored locally.
Month-to-month dashboard for planning category budgets and tracking allocation.
Enter transactions and income as they appear in bank accounts or credit cards.
Visualize spending trends, net worth, and budget performance over time.
Optional live syncing across devices when logged into the cloud plan.
Manual transaction entry keeps your financial data private and under your control.
People who loved YNAB4's local-first envelope budgeting and want to escape YNAB's subscription pricing.
Anyone who prefers manual transaction entry over linking bank accounts to a third-party service.
Households learning envelope budgeting without committing to expensive annual subscriptions.
Track budgets and accounts in any currency you prefer.

Your open-source personal assistant that lives on your server