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Principal Plan
Envelope budgeting that runs on your own PC or Mac
Principal Plan is envelope-based budgeting software for Windows and Mac. Give every dollar a job when it arrives and see what's safe to spend before you spend it. It's a native desktop app, not a web app: it works offline, needs no account, and keeps your financial data on your own computer. Import bank files (CSV, OFX/QFX, QIF), reconcile statements, and use the optional iPhone and Android companion to check envelope balances on the go. Free 60-day trial.
Hi Product Hunt
I built Principal Plan for people who like envelope budgeting but don't want their finances living in someone else's cloud.
How it works: income gets split across envelopes the moment it arrives, using an allocation plan you set up once. A paycheck split across a dozen envelopes is one click.
What makes it different:
• Runs natively on Windows and macOS, works offline, no account or sign-up
• Your data stays in a file on your computer
• Imports CSV, OFX/QFX and QIF from your bank, with duplicate detection
• Optional iPhone/Android companion, end-to-end encrypted, to check balances on the go
Pricing: 60-day free trial, then $1.99/month, $19.99/year, or $39.99 once to own it forever.
I'd love feedback, especially from anyone who's moved over from another envelope app: what would you need to see to switch?
About Principal Plan on Product Hunt
“Envelope budgeting that runs on your own PC or Mac”
Principal Plan was submitted on Product Hunt and earned 2 upvotes and 1 comments, placing #157 on the daily leaderboard. Principal Plan is envelope-based budgeting software for Windows and Mac. Give every dollar a job when it arrives and see what's safe to spend before you spend it. It's a native desktop app, not a web app: it works offline, needs no account, and keeps your financial data on your own computer. Import bank files (CSV, OFX/QFX, QIF), reconcile statements, and use the optional iPhone and Android companion to check envelope balances on the go. Free 60-day trial.
On the analytics side, Principal Plan competes within Android, Windows, Mac and Personal Finance — topics that collectively have 177.3k followers on Product Hunt. The dashboard above tracks how Principal Plan performed against the three products that launched closest to it on the same day.
Who hunted Principal Plan?
Principal Plan was hunted by Sam Thomsen. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of Principal Plan including community comment highlights and product details, visit the product overview.
Sam Thomsen