For the last 10 years I've used YNAB (You Need A Budget), it was a single purchase back then and I still have it on Steam and on my phone. Works great, doesn't cost me a thing, keeps track of every cent (as long as I spend around 20 minutes a month to put all transactions in).

Unfortunately YNAB switched to subscription only, so it's a bit difficult to recommend :-/

[–] [email protected] 6 points 1 year ago

I can still recommend the pre-subscription YNAB. It used to still be available on their website but that's gone now, too. Supposedly you can still download it through the Wayback Machine. https://web.archive.org/web/20190122064610/https://classic.youneedabudget.com/

However you want to obtain YNAB 4, it's going to be a trial but it's really simple to extend that trial by however long you want. To my knowledge there's no difference between the trial and the paid version.

Here I'm talking about YNAB 4.3.857 but this trial date editing probably works on any version of 4.

Install on your computer. Launch YNAB4 for the first time. Click Start Trial.
Close YNAB
Using notepad, open the file %APPDATA%\com.ynab.YNAB4.LiveCaptive\Local Store.lic
Change the date to be 10 years in the future
Re-open YNAB4. Go to Help->Purchase or Activate YNAB

You now have 3686 days to enjoy using YNAB4