ledger/hledger again, though I also use YNAB for my cash accounts, credit cards, and other debts. I can live with its single-currency support for that. But I use ledger/hledger for my total picture of my finances.

NB: I do everything manually. So I enter in my transactions with YNAB manually, then later enter them into my ledger file. I find that this keeps me better aware of my financial status than automatic downloads, but that's a personal preference.