I’ve literally just switched to Actual (3 days in) after living out of a homemade Excel YNAB clone for years and years. Overall it’s great and the bank syncing really works (except with a weird issue around starting date and starting balance).
I love that it’s open source, E2E encrypted, self-hostable and the data lives in a SQLite database.
If I haven’t found any major snags, I’ll of course become a supporter in a couple of weeks.
Would HAVE. Could HAVE.
The original author tried to turn it into a business. Turns out that was next to impossible up against YNAB. Gave it to the community who’s keeping it current.