Local-first envelope budgeting
Envelope budgeting: buy it once, or subscribe for pocket change. Local-first, works offline, and actually understands foreign currency.
The envelope budget that doesn't charge rent. Local-first, works offline, and actually understands foreign currency.
Less than one year of YNAB. Yours forever.
Start your free trial — the whole app, synced, on all your devices. Just an email to start.Start your 45-day free trial — the whole app, synced, on all your devices. Just an email to start.Start your 60-day free trial — the whole app, synced, on all your devices. Just an email to start.Start your 90-day free trial — the whole app, synced, on all your devices. Just an email to start.
Who it's for
Built for three kinds of budgeters
YNAB refugees
Priced out at ~$109/year? You already enter transactions by hand and never trusted bank linking anyway. Get your envelope workflow back — without the rent.
Expats & multi-currency households
Living in THB, JPY, or EUR while earning or holding accounts elsewhere? YNAB treats foreign currency as an afterthought. ihab books native and budget currency on every transaction, stores your rates, tracks drift, and revalues when you're ready.
Privacy-first budgeters
You've never handed your bank credentials to an aggregator, and you're not about to start. Manual entry and local-first storage aren't a limitation here — they're the design.
The objection, turned into the pitch
No bank linking — on purpose.
ihab never asks for your bank username or password, and never will. Every transaction is entered by you — or imported once, from a file you export yourself — so there's no aggregator holding your credentials and nothing to leak. If you've ever hesitated at “connect your bank,” this is the budgeting app that never asks.
Already in the product
Everything an envelope budget needs
Offline-first PWA
Install it, lose your connection, keep working. Real sync when you're back.
One-click YNAB import
Bring your accounts, envelopes, and full history over in minutes.
Envelope budgeting, done right
Month math, carryover, and Ready to Assign work the way you already think.
Splits & transfers
One transaction, many envelopes — or move money between accounts cleanly.
Scheduled transactions
Recurring bills and income post themselves, right on schedule.
Reconciliation
Match your budget to reality with a real reconcile flow, not a spreadsheet hack.
Loans
Track principal, interest, and payoff schedules alongside everything else.
Reports
See where the money actually goes, in the currency you actually think in.
Deep FX handling
Stored rates, booked-amount overrides, drift tracking, revaluation, and a currency-exposure report.
See it in action
This is the actual app.
No mockups from here down — every screenshot and the clip below are the real product, driven through its own UI against a made-up demo budget.
The FX wedge
Budgeting for people who live in two currencies.
Every transaction books both a native amount — what actually left your foreign account — and a budget-currency amount, against your one envelope budget. Rates are stored, not assumed: override one transaction when you need to, track how much drift has built up since, and revalue when you're ready. A currency-exposure report shows net worth by currency, not one blended guess.
How it compares
ihab, YNAB, and the open-source route
The subscription incumbent, the self-hosted DIY option, and the one you buy once. Here's where each lands on the things budgeters actually switch for.
| ihab | YNAB | Actual Budget | |
|---|---|---|---|
| Envelope budgeting | |||
| Local-first, works fully offline | – | ||
| Hosted sync, nothing to self-host | Self-host | ||
| Deep multi-currency — native + budget amount per transaction, stored rates, drift, revaluation | Limited | Limited | |
| No bank credentials handed to an aggregator | – | ||
| One-click YNAB import | — | ||
| Platforms | Web, PWA, iOS, Android, macOS, Windows, Linux | Web, iOS, Android | Web, desktop, iOS, Android |
| Price | $99 once, or small monthly | ~$109 / year | Free (self-hosted) |
Pricing
Buy it once, or subscribe. Sync included either way.
Pro is a lifetime purchase or a small monthly subscription — hosted sync is included either way. Full export, in YNAB's own format, is built in for everyone — your data is never locked in, trial or not.
Free trial
Try everything, free.
$0
Free trial45-day free trial60-day free trial90-day free trial
Full app, every budgeting feature — synced on all your devices
Pro
Everything, once or monthly.
$99 · lifetime
or a small monthly subscription — cancel anytime
All features, unlimited devices
Questions
Quick answers
- Yes — $99 buys the lifetime license outright: pay once, household included, hosted sync included under fair use. If you'd rather not pay upfront, a small monthly subscription unlocks the same thing, cancel anytime.
- Because handing your bank credentials to an aggregator is exactly what we're not doing. Manual entry plus a one-click YNAB import cover the rest.
- It comes with you: accounts, envelopes, and full transaction history import in one pass.
Is the $99 really one-time?+
Why no bank sync?+
What about my YNAB history?+
More questions? Read the full FAQ on the pricing page.