Problem: EU residents struggle to find an envelope / bucket-style budgeting app that (1) connects to their banks via PSD2 open-banking APIs, and (2) isn’t locked behind a recurring subscription like YNAB.

Evidence of demand

1. Reddit & HN signals

   • r/personalfinance (Jan 2024) – thread supplied by user: “Looking for an envelope or bucket budgeting app… Connect and sync with European banks.” - r/eupersonalfinance (Aug 2023) – “Best budgeting app?” Top comments complain that none of the envelope apps connect to EU banks. - r/eupersonalfinance (Jan 2025) – “Zero based budgeting app for US expat in Europe?” Looking for PSD2 connections + multiple currencies. - r/ynab (Apr 2024) – users upset about YNAB dropping some EU bank feeds; several say they’d switch if a lifetime-licence EU alternative existed. - HN 31222049 – long discussion about quitting YNAB because EU banks require manual import even after PSD2.

2. Keyword data (via ‘Get_related_keywords’)

   • “envelope budgeting app” – 720 monthly searches, difficulty 40. (Above the ≤30 target but shows baseline interest.) - “YNAB alternative” – 1 300 searches, difficulty reported as 0 (interpreted as low). - “actual bu...