YNAB generally gets mentioned as one of the de factor budgeting options. I used it a lot a few years ago and it works. Their system is a little wonky if you aren't used to the envelope method but they have great docs, a great little podcast and a healthy community.
Ditto on YNAB! I started using YNAB a couple years ago now and it has fundamentally changed my perspective and relationship with money. The 4 rules of YNAB [1] really helped me conceptualize how to best take advantage of it.
Love YNAB, been using it since 2011 and never switched to their subscription cloud service. YNAB Classic still works, though I don’t think you can legally acquire it anymore.
Look into Actual Budget, it’s a free self-hostable clone of YNAB. Or could be thought of as an independent implementation of the same budgeting methodology - but it felt close enough in UI and concepts that I feel comfortable calling it a clone.
I manually enter every expense (as categories are not by store, so automation can’t work), and YNAB makes this more convenient with a lot of tiny things (though on testing, the biggest parts are probably remembering the last category for a payee, and better flowing "enter"-key behavior when entering multiple transactions).
That said, it also has a bunch of things that I’m missing in YNAB, so I should probably just set up an instance and go a week with trying it, so thanks for the nudge :)
I wasn't a fan. tried it for a couple of months and I kept felt like it didn't have features I was looking for. Currently using Monarch which is pretty good, not perfect. I wish I could have done my own thing with plaid but sadly I couldn't get a dev or small business account.
