Sure, You Need A Budget is awesome.

But have you considered these open source alternatives?

They are free, self-hostable and community-driven.

Check by yourself: Maybe , ActualBudget .

So is Maybe

The OS for your personal finances
★ 54.3K Finance License: AGPL-3.0
Maybe: The OS for your personal finances

Read more about Maybe
So is ActualBudget

Personal finance management tool
★ 28.3K Finance License: MIT
Actual is a local-first personal finance tool. It is 100% free and open-source, written in NodeJS, it has a synchronization element so that all your changes can move between devices without any heavy lifting.

Read more about ActualBudget