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The Local-First, Double-Entry Heir to YNAB 4 — Pay Once, Own Your Budget Forever.
Classic desktop envelope budgeting is back. Open your local .smoney SQLite ledger in under a second on Windows, macOS, or Linux. Plan 3 months side-by-side, roll reimbursable expenses forward with Red Arrow Right, and verify every cent with an institutional double-entry ledger (SUM(debits) == SUM(credits)).
family_household_2026.smoney — Local SQLite WAL (0ms Cloud Latency)
Available to Budget: $0.00 (Every Dollar Has a Job)
Multi-Month Side-by-Side Envelope Grid
Inline Math: 45.20 + 12.50 * 2 = 70.20
| Category Envelope | Oct Budgeted | Oct Outflows | Oct Balance | Nov Budgeted | Nov Outflows | Nov Balance |
|---|---|---|---|---|---|---|
| Mortgage & Property Tax | $2,450.00 | -$2,450.00 | $0.00 | $2,450.00 | $0.00 | $2,450.00 |
| Groceries & Household | 45.20 + 12.50 * 2 | -$52.10 | $18.10 | $650.00 | -$120.00 | $548.10 |
| Work Travel (Reimbursable) | $0.00 | -$385.00 | -$385.00 ➔ Red Arrow Right | $0.00 | +$385.00 | $0.00 |
| Visa Signature Payment Envelope | $0.00 | +$437.10 | $437.10 | $0.00 | +$120.00 | $557.10 |
Keyboard-First Double-Entry Register
Every transaction posts balanced integer-cent journal entries across asset, liability, income, and expense accounts with inline arithmetic (45.20 + 12.50 * 2).
Rule 4: Income for Next Month Buffer
Paycheck (Oct 25) → Available in November: $6,200.00
Options Vision 2.0 Realized P&L Sync
FIFO Tax-Lot Realized Distributions sync cleanly as on-budget capital income.