🟡 Weekend — A focused Saturday + Sundaynext.js
Wanting envelope budgeting without handing an app your bank login
“I love the envelope method but every budgeting app demands my bank credentials. I just want to allocate my paycheck into categories manually and track it.”— r/ynab ↗
The gap
YNAB/Mint-style tools are bank-sync-first. A purely manual, no-login envelope budget — same trust-averse audience as the subscription radar — is a recurring request that the big apps structurally won't serve.
For
Privacy-conscious budgeters
Paste-ready build prompt
Build a manual envelope-budgeting app in Next.js (no bank integration). User sets monthly income and allocates it across category 'envelopes'; logging a manual expense draws down the right envelope and shows what's left. First 3 steps: (1) income + envelope setup with allocation that must sum to income, (2) quick expense entry that decrements an envelope, (3) a dashboard of remaining-per-envelope with over-budget warnings. Pairs with the subscription-radar privacy stance.