> I love the idea of keeping my finances private while still having a useful tracker/planner.

YNAB4 was a local client, but with YNAB5 they sadly (to me) went online and subscription.

I happily paid for v4 (one-time purchase), but was/am not willing to pay for v5 because (a) I don't like renting software, and (b) I have no need for syncing (which a subscription could justify to pay for ongoing server costs).

▲

DarmokJalad1701 8 hours ago | parent | next [-]

ActualBudget is a pretty great YNAB alternative that is free and locally hosted.

	▲	Semaphor 7 hours ago \| parent \| next [-]
		I second that. Switched from ynab4 (used some version since 2011) to Actual Budget a few month ago. Some tiny ux issues, but improvement in many more areas. Don't regret finally kicking ynab out.
	▲	Terr_ 5 hours ago \| parent \| prev [-]
		Odd, earlier this week I was cleaning up some ooooold VMs/docker stuff and came across something I was using to try out actualbudget, so it's an interesting coincidence hearing it mentioned again today. IIRC I was pretty impressed with it back then. It looks like there are more non-direct install options now. (Flatpack, appimage, etc.)

▲

adastra22 3 hours ago | parent | prev | next [-]

Have you tried financier?

https://financier.io/

▲

polalavik 8 hours ago | parent | prev [-]

sort of different but I built https://paperright.xyz budgeting app to address some of my frustration with budgeting apps, bank connections, ease of use, privacy, etc. It doesn't connect to your bank or take any info other than your email (+stripe if you sign up for pro). I built it because i needed a budgeting app for my brain. Also research shows AI/automated financial management doesnt work you need to manually track things to really understand whats going on.