Well, one of the benefits is that it won't go away.

I used Mint for years, and I LOVED it. Hooked it up to all my accounts, it could track purchases and spending and kept everything up to date automatically. It would remember how I categorized things.

Of course, then Intuit decided to get rid of it and force everyone to move to Credit Karma, which doesn't do the same things AT ALL. I don't care about tracking my credit scores, and I pay off all my credit cards every month, I don't need help finding a loan for anything. The only thing it does is try to offer me loans and credit cards. It doesn't have any transaction history, so it doesn't do the one thing I care about.

The decade+ of transaction history I had in Mint was just GONE. It really sucked, and I have not found a replacement yet.

I don't mind if it is hosted, or even if I have to pay for it, but I would like to be able to keep my historical data, and for it to automatically populate from my accounts, and not go away if a company decides it can't make money from it anymore.

This is, as far as I can tell, the only real applicable reason to run a self hosted tracker like this that anybody has put forward. Kudos.

Did you find a suitable replacement? What do you use now? I'm interested to hear how big of an sticking point this still is with this a verbose range of options now.

I love the transaction history in YNAB. I refer to it all the time.