application VS OpenBudgeteer

You could use Budget with Buckets. It's free to use, but you can get a license too. Downside: it doesn't have an app (well, it does, but it's read only and sucks big time).

I use buckets https://www.budgetwithbuckets.com/

I track my balances across various sources, updating once a month. I also set my outgoings.

Funnily enough I don't really use the buckets feature too much, simply the graph over time of savings, and ability to set goals / monthly costs for review is enough.

Right now I'm testing software called Buckets, and I am liking it so far. It's a one-time payment, and the dev seems pretty cool by offering an extremely generous demo. It's kind of a hybrid between manual and automatic, with some macro import options and statement import options that can be helpful. It also has the option to import financial data automatically using SimpleFin for only a fraction of the monthly price of YNAB and Aspire. So far I'm really liking it.

Buckets - I just started to look at this app. It is very basic from what I have seen so far. And while writing this I learned the iOS app is a closed beta. Unlimited FREE trial until you determine it works for you. After that, there is a one-time fee of $49. In September the price is going up to $64.

You might look into budget with buckets

I haven't used it, but the team (person?) that makes [Buckets](https://www.budgetwithbuckets.com) makes [SimpleFIN](https://www.simplefin.org), which seems like it exposes exactly what you want: simple transaction data from arbitrary banks.

Plaid offers [transactions APIs](https://plaid.com/products/transactions/), but I guess to your point these APIs are geared towards fintech companies, not personal use.

I’ve been happy with Budget with Buckets as a YNAB alternative - https://www.budgetwithbuckets.com/

I just share also my finance app OpenBudgeteer that I'm developing but not sure if it matches your requirements.

I want let you know that I have just released Update 1.6 for OpenBudgeteer, a budgeting app based on the Bucket Budgeting Principle. The Update contains some new features, optimizations and a few fixes. Check out the Changelog for the full list of changes. Below some highlights of the new update:

OpenBudgeteer

Haven’t tried it yet but saw this not too long ago: https://github.com/TheAxelander/OpenBudgeteer

I've been using Firefly III for the last 3 months and it works well, but I'm going to try out OpenBudgeteer now.

Check out Github Repo for further details. Feedback is highly appreciated :)

I shared the project on Github in case someone is also interested in it and/or wants to give some feedback.