I built a budget app that never sees your money

The envelope budgeting method genuinely works — you assign every rupee to a category before you spend it, and you stop wondering where your money went. But every app that does this well also stores your entire financial history on someone else's server. The market leader charges $109/year for the privilege.

I kept coming back to the same question: why does a tool that exists to help me save money need to see my data at all?

So I built one that doesn't. It's called Allot. Your financial data never leaves your browser.

Here's how it works, why I made the architectural decisions I did, and what I learned.

The core constraint: no server, ever