Zeroed

Zeroed is an offline-first envelope budgeting app that encrypts everything locally so no data leaves your device unless you choose to sync. It includes built-in OCR for scanning receipts, automatically extracting amounts and merchants to populate your budget. The focus is pure zero-based envelope methodology with a privacy-first architecture, you control where your data goes and it never requires cloud connectivity to function.

This appeals to privacy-conscious people who want envelope budgeting without cloud tracking, or anyone in areas with unreliable internet who still needs a reliable budget tool. If you've hesitated to use cloud-based budgeting apps because you distrust data sharing, Zeroed removes that concern. It also suits users who appreciate offline-first design principles and want their most sensitive financial data to stay physically on their device.