I use EveryDollar; it ticks most of our boxes, but it's not a ledger (it doesn't give me any confidence that I didn't make an error in my allocations). Still, it's good for planning and trcking. They also have a $10/month premium plan (which I use) that automatically pulls in transactions (a la Mint) but I don't get the spammy adverts and they had a much better privacy policy last I checked. Still, it's SaaS...