If someone is looking for a local hosted budgeting alternative, consider using Actual Budget. It's an open source app that's similar to YNAB
https://github.com/actualbudget/actual
Edit:
Also this is an interesting read from the original developer of Actual. Basically, it started as a closed source web app funded by a subscription model. When the business failed, he decided to open source it
Legendary dub:
https://www.youtube.com/watch?v=m5LjA0gjeX8