Zeroed
Pay-once envelope budgeting. Private, offline, yours.
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Zero-based envelope budgeting you buy once: $19.99, every platform, all 1.x updates included (founder price until 14 Feb 2027, then $39.99). No account, no server, no bank linking: your budget is one AES-256-encrypted file on your device, with optional sync through your own Google Drive, encrypted before upload. Import CSV, PDF, OFX, QFX or QIF from any bank, scan receipts, plan bills, goals, debt payoff and net worth. 34-day trial, no card. Today iOS joins Android, Windows and macOS.
PH · launched Sep 15, 2026 · 2 upvotes (top 26%) · 0 views
Niche: personal finance and budgeting apps · 424 launches, 44 in the last 7 days ▼ -20% · Explore this niche →
Category and tags
- Fintech
- Workflow automation
- B2C
- Not AI
- Commercial product
- Fintech
- Privacy
- Personal Finance
Visit website ↗ Source listing ↗
More like this: all 424 launches in personal finance and budgeting apps →
Could you build this?
Yes It is an offline-first client-side budgeting app that stores encrypted JSON/SQLite files locally and syncs to Google Drive using standard OAuth APIs.
Competitors
Other products that read as similar to this one : 930 launches clear the similarity bar, closest 8 shown.
Attention rank: #194 of 931 (itself plus its competitors, highest first, normalized so YC and Product Hunt are compared fairly).
Launched 316 days after the earliest competitor.
- Pixel Budget · ph · 2026-10-13 · 1 upvotes · similarity 0.54
- Smart Finance: Expense Budget · ph · 2026-11-06 · 1 upvotes · similarity 0.52
- Debtless · ph · 2026-10-11 · 2 upvotes · similarity 0.51
- PocketBudJet · ph · 2026-11-11 · 1 upvotes · similarity 0.51
- Smart Envelope AI · ph · 2026-09-22 · 1 upvotes · similarity 0.50
- Aviary · ph · 2026-11-03 · 2 upvotes · similarity 0.49
- EachPayday · ph · 2026-10-17 · 2 upvotes · similarity 0.48
- Principal Plan · ph · 2026-10-05 · 2 upvotes · similarity 0.48
The niche, labels, vibe code rating and competitor comparison on this page are analysis by Nicheloom. If you use them, please credit nicheloom.com. How you may use our data.