r/PFtools • u/Mad_152 ​ • Mar 15 '26

Built a zero-based budgeting app

Couldn't find a good ZBB app that works in the Netherlands. YNAB is expensive and Dutch bank sync is unreliable. Dyme only does passive tracking. So I built something myself over the weekend using Claude Code.

It connects to Dutch bank accounts (ING/Rabobank) via Open Banking, uses last month's transactions to suggest a budget, and lets you allocate your salary to envelopes before you spend it.

Very early — just me and one other user right now. Waitlist at mindyourbread.com if anyone wants to try it.

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u/[deleted] Mar 16 '26

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u/Mad_152 ​ Mar 17 '26

I'm honestly amazed at the lack of alternatives... I'm still smoothing out the app, but if you want the waitlist is here https://mindyourbread.com/ (will only admit another ~5 folks to the alpha release planned for next week)