ZeroFold

ZeroFold brings zero-based envelope budgeting to your Mac — fully offline, no subscription, your data in a file you own. Give every dollar a job. Allocate your monthly income across envelopes like Groceries, Rent, and Transport. The moment every dollar is assigned, ZeroFold shows you the satisfying zero balance. Record spending as you go. Add transactions manually or import a CSV, OFX, or QFX export from your bank — no bank API, no Plaid, no credentials ever leave your Mac. Track at a glance. Each envelope shows what you budgeted, what you spent, and what remains — in one clean view. Your file, your rules. Everything lives in a local SQLite database you can back up, move, or open in any SQLite browser. No cloud, no account, no lock-in. Pro features (one-time unlock): unlimited envelopes, CSV/OFX/QFX import, monthly spending reports, and multi-account ledger.