Zephy Budget’s first build: manual transactions, weekly/monthly/savings categories, account balances, recurring rules, and home- and lock-screen widgets — no bank links, nothing phoning home. The fun part is receipt scanning: point the camera and Apple’s Vision OCR pulls the merchant and total on-device, then guesses a category from your history. You still check every field before it saves. Manual-first means you can always see and fix the number.