As far as I know there isn't one. I still use YNAB4 because I don't want to "upgrade". I've been thinking about building my own budgeting system because the only real alternative seems to be excel sheets.
I'm actually in the same boat. I've been paranoid of using ynab online because of giving a company all of my financial data. I don't know if it is unfounded, but I do have to admit using ynab on the desktop is kind of inconvenient.
Me too. It’s not perfect in the methodology, but the UX is great and I can hack around it’s limitations. E.g. try using the envelope system when doing renovations! Anyway good software. Problem with budget software is users are too tight to spend a lot of money on it so there are plenty of half assed products out there.