budgetzero

Spec sheet

Purpose

BudgetZero is a free, open-source, offline-first zero-based envelope budgeting system.Read 12 Oct 2026 · budgetzero.io

Free plan

YesRead 22 Sep 2026 · budgetzero.io

Privacy

The project says it has zero trackers and zero analytics.Read 12 Oct 2026 · github.com

Account sync

manualRead 22 Sep 2026 · budgetzero.io

Balance handling

Negative balances can carry into the next month.Read 12 Oct 2026 · github.com

Budgeting

The product supports zero-based envelope budgeting.Read 12 Oct 2026 · github.com

Budgeting tools

YesRead 22 Sep 2026 · budgetzero.io

Desktop platforms

Desktop apps are available for Windows and Mac.Read 12 Oct 2026 · github.com

Development status

The project describes itself as alpha and warns that significant bugs and breaking changes may occur.Read 12 Oct 2026 · github.com

Known limitations

Performance has not been tested for very large budgets with thousands of transactions, and transfers may be buggy.Read 12 Oct 2026 · github.com

Offline storage

Budget data is stored in the browser and may be lost if the browser data is cleared.Read 12 Oct 2026 · github.com

Reports

The site describes customizable reports on financial progress.Read 12 Oct 2026 · budgetzero.io

Self-hosting

Users can self-host the web app using Docker or build and host its static files on a web server.Read 12 Oct 2026 · github.com

Sync integration

Sync across browsers or devices requires configuring a CouchDB server; BudgetZero uses PouchDB for client-side storage.Read 12 Oct 2026 · github.com

Transaction imports

Transactions can be imported from CSV, OFX, or QFX files.Read 12 Oct 2026 · budgetzero.io

Plans and prices

Every budgetzero plan and price →

Where Specifiction places it

• Budgeting And Expense Tracking#6 of 298.3
• Personal Finance Software#122 of 1817.7