Got hit with YNAB's renewal. Spent the weekend building my own budgeting tool instead. Best decision I made.

You know that feeling when a renewal email lands and you think — wait, I'm paying how much for this?

That was me with YNAB. Good tool, genuinely. But $109 a year to track where my money goes felt increasingly hard to justify, especially when I wasn't using half the features.

So instead of cancelling and going back to a spreadsheet like a normal person, I did the slightly unhinged thing and built my own.

It's a single HTML file. Opens in your browser, works completely offline, zero account needed, zero subscription, zero data leaving your machine. Your financial data stays on your computer where it belongs — which honestly should be the default for any budgeting tool.
Here's what it covers:

Income and expense tracking by category
Monthly budget vs actual breakdown
Visual spending summaries
PDF export
One-time $19, yours forever

Put it on Gumroad to see if anyone else felt the same way about that renewal email. Turns out getting people to even find it is the hard part.
Two honest questions for this crowd:
Is "your data stays on your machine" actually a reason people switch tools, or does nobody care as long as the app works?
And has anyone successfully sold a personal finance tool to regular non-technical people? Because that feels like the harder problem than building it.
Here if anyone wants to look: https://annsri.gumroad.com/l/goldframebudget