A beautiful, offline-first, envelope-budgeting web app inspired by YNAB® methodology – 100% client-side, no accounts, no tracking.
- Zero-Based Budgeting – Give every dollar a job (or you have Zero Dollars).
- Envelope System – Classic envelope categories (jars) with real-time balances.
- Smart-Fund™ – One-click intelligent allocation to scheduled bills, monthly goals & sinking funds.
- Goal Tracking – Target balance or monthly funding goals with progress bars.
- Full Offline PWA – Works without internet; installable on desktop & mobile.
- Device Sync via PeerJS – Real-time sync between phone, tablet & desktop (no server).
- CSV Import with AI Categorisation – Smart payee matching + clustering of recurring transactions.
- Credit Card Support – Automatic payment jars and debt handling.
- Reconciliation, Reports, Charts, Age of Money – Everything you expect from a serious budgeting tool.
- PIN Lock – Optional 4-digit PIN protection.
- Dark/Light Theme – Beautiful, fully responsive design.
- Export / Import – Full JSON backup & restore.
All data stays on your device. No analytics, no cloud, no third-party anything.
Requires a modern browser (Chrome, Edge, Safari, Firefox) with ES6+ support for:
- Crypto API (for PIN hashing and Sync security)
- Web Workers (for background ML processing)
- IndexedDB (for local storage)
Open in your browser: https://ciphernom.github.io/ZeroDollars/
(or host it yourself – see below)
- Open the app in Chrome / Edge / Safari.
- Click the install icon in the address bar (or Add to Home Screen on mobile).
- Done – it now works offline forever.
# 1. Clone or download this repo
git clone https://github.com/ciphernom/ZeroDollars.git
cd zerodollars
# 2. serve with any static server:
npx serve .
# Then visit http://localhost:3000This project is built with Vanilla JS (ES Modules) and CSS Variables.
- Core:
HTML5,CSS3,JavaScript (ES6+) - Storage:
IndexedDB(via internal wrapper) - Sync:
PeerJS(WebRTC) +Merkle Trees(for state consistency) - ML:
Web Workers(for background transaction categorization) - Security:
Web Crypto API(PBKDF2 for PIN hashing, HMAC for Sync signatures)