YNAB is $14.99/mo — $99 or more a year, forever — for envelope math on top of your transactions that does not need a server, a login or a rent payment. Ledgerlite Home does the same job locally: zero-based budgets, CSV imports and a net-worth tracker, all in a SQLite file on your own machine. $15, once.

• Zero-based budget — Assign every dollar of monthly income to a category envelope, with Income / Assigned / To-budget always in the header.

• Rollover envelopes — Per-category toggle to reset monthly or carry unspent funds forward for sinking funds like Vacation or Car Repairs.

• CSV bank import — Fast manual entry plus CSV import of any bank export.

• Map columns once — Ledgerlite fingerprints each bank's header format and remembers your date/payee/amount mapping for next time.

• Payee rules — Rules like payee contains KROGER to Groceries apply automatically on every import, creatable inline while editing a transaction.

• Over-budget warnings — Envelopes turn red the moment available drops below zero.

• Reports — Stacked spend-by-category bars for the last 6 months.

• Net worth — Manual account balances with debts negative and a snapshot line chart over time.

Runs as a Windows desktop app.

What's included:

• Full source code (MIT): https://github.com/bensblueprints/budget-planner-personal

• Lifetime v1 updates

• Setup guide (README quick start)