Envelope budgeting that lives on your computer, not a server you rent.
Freelancers expense a dozen subscriptions — proposals, contracts, invoices, time tracking — against irregular income. Owning the tools outright removes a whole line of fixed costs.
The tool this job usually means renting is YNAB, at $14.99/mo — roughly $99 a year, every year. Ledgerlite Home does the job for a one-time $15 — running locally on your own machine.
Assign every dollar of monthly income to a category envelope, with Income / Assigned / To-budget always in the header.
For freelancers, zero-based budget pays off between gigs, against irregular income — and it's covered by the same one-time $15, not metered per month.
Per-category toggle to reset monthly or carry unspent funds forward for sinking funds like Vacation or Car Repairs.
For freelancers, rollover envelopes pays off between gigs, against irregular income — and it's covered by the same one-time $15, not metered per month.
Fast manual entry plus CSV import of any bank export.
For freelancers, CSV bank import pays off between gigs, against irregular income — and it's covered by the same one-time $15, not metered per month.
One payment of $15 gets you the packaged Windows installer, or clone the MIT source at github.com/bensblueprints/budget-planner-personal-mvp and build it yourself for free.
Run the desktop app; it stores each budget profile as its own SQLite file under your OS user-data directory.
Map the columns once, let payee rules auto-categorize, and assign every dollar to an envelope.
Ledgerlite Home is $15, once. YNAB at $14.99/mo — roughly $99 a year, every year. One month of YNAB just about covers Ledgerlite Home, and your budget never pays rent again.
One month of YNAB just about covers Ledgerlite Home, and your budget never pays rent again. Ledgerlite Home costs $15 once; YNAB charges $14.99/mo — about $99 a year. For freelancers, that fixed cost is the whole point: the tool is a one-time line item, not a monthly one.
Yes — Ledgerlite Home is MIT-licensed at github.com/bensblueprints/budget-planner-personal-mvp. The $15 buys the packaged Windows installer; building from source is free.
In SQLite files under your OS user-data directory. No account, no cloud, no telemetry — copy the files to back up or move machines. Note there is no automatic bank sync; you import CSV exports.