YNAB?

Build a focused replacement for YNAB for one clearly defined user, based on this public product description: “YNAB — Have you ever worried about money? You're not alone. Download YNAB, get good at money, and never worry about money again.” Do not copy the original brand, proprietary assets, name, logo, UI, or copy; create an original visual system.

Core workflow
- Recreate only the narrow primary workflow described above, with model the product's primary input → workflow → output in an editable interface; make state, errors, and external dependencies visible; provide portable data, export, and deletion controls; include fixture data and a deterministic happy-path test.
- Keep the product name and source description in a research note in the README, and turn every uncertain behavior into an explicit assumption or user setting rather than inventing a feature.
- Use a small React/TypeScript app with a portable JSON or SQLite data model, clear loading/empty/error states, and adapters around external services. Seed realistic demo data so the complete workflow works without paid credentials.

Scope boundaries
- Out of scope for v1: feature-for-feature parity; broad integrations; unverified enterprise or scale claims. Do not promise feature parity, proprietary data, or enterprise reliability.

Include a README with setup, environment variables, data model, implementation decisions, privacy behavior, testing instructions, and important limitations.