[throw0101c]

> 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]

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

[Semaphor]

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_]

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]

Have you tried financier?

https://financier.io/

[aitchnyu]

Whoa. The backend is optional (and presumably minimal) so it can be priced 12$ per year.

[adastra22]

Yeah it's just a data store. I wish it was end-to-end encrypted, but otherwise it works pretty well as a drop-in replacement for YNAB. At least as well as you can expect in a browser -- I miss the quick-entry button in the YNAB 4 app, but that's harder to pull off here.

It is also open-source btw: https://github.com/financier-io/financier

[ornornor]

A while ago, I wrote a ruby gem to convert my banks’ csv export to the format ynab4 expects to import all transactions automatically. It even does currency conversion using the rate at the time of transaction (I have accounts in several currencies).

It uses a plugin structure so if your bank is missing you can contribute your parser.

https://rubygems.org/gems/ynab_convert/versions/2.0.6

[polalavik]

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.