I use Buckets . It's a small 1 person freeware, dev asks for a 30 dollar one time donation but it isn't mandatory. It's based on the software and idealogy of ynab which enshittified several years ago. The learning resources of ynab should be mostly compatible but I haven't looked at it in a while.
It interopts with simplefin, an open source tool that reads your bank transactions and gives read only access to buckets. It costs 10dollars per year to use their servers. It creates some annoying quirks that is mostly the fault of my bank but its passable. The app can also take csv files if you would prefer (which most banks allow you to export).