this post was submitted on 02 Nov 2023
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If someone is looking for a local hosted budgeting alternative, consider using Actual Budget. It's an open source app that's similar to YNAB
https://github.com/actualbudget/actual
Edit:
Also this is an interesting read from the original developer of Actual. Basically, it started as a closed source web app funded by a subscription model. When the business failed, he decided to open source it
https://actualbudget.com/open-source
As a user of YNAB, I'm glad there's an open source option, as well. The method/approach really clicked for me.