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 :)
