Re: ledger-cli, there’s a project that is heavily inspired by and more actively maintained called hledger. The author has a comparison table and history here: hledger and Ledger - hledger
edit: of course, as soon as I post this, I noticed it’s been mentioned several times already lol
I have gone back to YNAB 4 - I was a long term user of it when it was around, and I had a license. I stopped using it about a year or two after they moved to the online version and I used that for about three years. It not being able to run on macOS partly drove me that way, and the iOS app beginning to fail (as my wife only uses iOS).
However, after continued price increases, I decided I’d had enough and ran YNAB 4 on a Windows machine, but I also managed to find out how to run on macOS again (basically it replaces the Adobe Air with the last 64 bit version - I found the script here) so I went back to it. There are days I miss the iOS app, but it’s not the end of the world.
I assume once Apple Silicon no longer has access to Rosetta 2, I’d be out of luck again and then I’d probably move to Buckets. One of the things that I miss is the ability to set goals for buckets/envelopes, and I’ve just double checked the Buckets website and that appears to now have that function, so tomorrow might be spent looking at moving over to it - though this may wait until April and the new UK tax year so I’ve a full years history in one software!
Note that I run YNAB alongside GNUCash - one is budgeting and the other tracks investments and is updated only weekly in terms of spending. Perhaps a bit of effort maintaining two systems, but I see GNUCash as a different tool, though it does have budgeting built in.
I was about to buy finances until I saw there aren’t updates anymore. It made me think that I should start to learn swift and code myself a damn app to use and update until I day, which is the day I’m not longer going to use it.
Yeah, I’m feeling an itch to start learning GNU Cash in the case I go forward with my idea to start a small business. Also see Money Well, downloaded it today and has the things you say from buckets. Not that buckets is a bad piece of software, in fact both are good from what I see.
I use MoneyMoney
now for several years, and it works pretty nice for me.
There is also an English version available.
But the Banking systems are working different in the US compared to (a lot of parts of) Europe, so it is much easier to get all data direct from the banking accounts, and sent all order via this system, instead of doing all this on the website of the bank, and/or inserting everything manually or by a downloaded CSV or MT940-File.
Therefore I use a banking software since 1995 that collects and categories everything pretty much automatically, instead of doing everything by myself with a “restricted” app like YNAB or even a spreadsheet.
It looks like a more robust app than what I currently need which is just budgeting I might try it later when my needs grow. Thanks!
I like YNAB. It’s easy to use and to reconcile accounts at any time. I also like entering transactions manually because my banks have made mistakes, and I want to check them. I wish it had better reports, but at least it’s ad-free, unlike Quicken.
I liked it when I used, but I don’t want the subscription fee.
Is there a comparison between hledger and beancount?
Are there specific advantages or disadvantages between these two systems?
For this type of budgeting I’ve used a spreadsheet. I like it because I can customize the reporting to my exact desires. If you’re willing to enter all the data, why not have the ultimate in flexibility?
I’ve only seen comparisons between hledger and ledger.
There is some discussion here of people using Numbers or other spreadsheets for budgeting/finances. You may want to take a look.
I’ve used YNAB since version 3. I now use the YNAB subscription service. I tried moving away but I just click with YNAB. As I’m in Australia now, from the UK originally, I never use syncing to import transactions from the bank but I confess I prefer to do it manually.
Numbers right now. I have used excel in the past.
Probably a bit late to the party but EveryDollar is a great choice. Free unless you want to link accounts. We’ve been using it for years.
That’s a long time! I have to admit their new YNAB together makes the app a lot more tempting. How has it helped you with your personal finance?
Unfortunately the app is not available in my region 
I’ve used MoneyDance for more than 5 years and am very satisfied with it. It can connect to your bank but I don’t use that function. You can set your budget categories on a monthly, semi-annual, annual basis and can see on the side panel how your income and expense relate to your budget in each category. In addition to checking and savings you can set up investments, credit cards, etc., do searches and run reports. I only use the Mac version but it is also available on iOS
Thank you, I’ll check it out.
, do you use Excel?