Actual

I wanted to start budgeting and read a lot of good stuff about YNAB initially. Was kinda bummed they moved to a SaaS model so continued looking. Found Actual and have been using it for a couple of months. I really like it because it very clean and to the point. But still versatile without feeling complex. Can really recommend this. Would love to have the option for sub-budgets.

I've been using Actual for about a year now and it's a lot better than other tools I've tried. In fact, I've tended to quit other tools within a few months out of frustration or privacy concerns. Actual is thoughtfully built and maintained with a little extra given to developers in that there's an API. I've built a CLI utility that can auto-import transactions for me, making budgeting a breeze.