I’ve been a zero-based budgeter for a long time, but I eventually hit a wall with the manual work.

I’m currently building yet-another-app to solve it. It’s zero-based, but the goal is to have it handle the “chores” and make it easy to reason about how much spending money you have.

A few of the main things I’m focusing on:

• Safe-to-Spend: Instead of micromanaging every category, it uses a regular “spending money” allocation. You can see exactly what’s left for the week or month (or whatever time period you choose) after your bills and savings are covered.

• Automation: I’m using AI to build the initial budget and handle the categorization/matching, so you aren’t stuck doing manual approvals every day.

• Envelope Logic: It still uses buckets/envelopes and handles credit cards by pulling money aside for the bill as you spend.

I’m mostly looking for feedback from people who like the zero-based philosophy but struggle with the maintenance. I have a landing page with more details here: https://residual.finance/

Note, this is not my post the original post can be found on Reddit