I use Actual Budget, which is more or less identical to manual YNAB (can't link to banks as of now but I think they're working on it) but cheaper. I used YNAB for a few years but switched over like half a year ago and am pretty happy with it. - Source: Reddit / 7 days ago
I’m trying out https://actualbudget.com which is a YNAB4 inspired application 👍. - Source: Reddit / 13 days ago
I use Actual Budget, which is extremely similar to YNAB except cheaper and more lightweight. It doesn't have all of the features of YNAB (e.g. No syncing with your bank - but I do everything manually anyway) but it's close enough that it was worth the switch for me. - Source: Reddit / 25 days ago
I use Actually, which is like a more basic version of YNAB and it is the only thing that has worked for me. It's seriously been a lifesaver and saved me so many problems and mental breakdowns. - Source: Reddit / about 1 month ago
I'm currently on a trial of Actual Budget (https://actualbudget.com/). It's very similar to the old desktop version of YNAB. It has desktop and mobile apps (web app in beta), and does syncing. I haven't used the mobile app yet, but the desktop app is fast and entering transactions is fast. Only costs $4/month. - Source: Hacker News / about 2 months ago
You can download it at https://actualbudget.com/, and there's a subreddit for it over at r/actualbudget. I really would recommend giving it a go! - Source: Reddit / 2 months ago
Local data + cloud sync/backup -- think GDocs, LastPass, DropBox, budgeting. - Source: Reddit / 5 months ago
Check out Actual Budget. It's what you are looking for. - Source: Reddit / 8 months ago
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