application VS budgetzero

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/

Budgetzero (https://github.com/budgetzero/budgetzero) is a close option but still under development so offers no promises on stability.

budgetzero

This may interest you possibly. It's still under development (what in linux isnt really...).

One cool one I see in the comments from that thread is here: https://github.com/budgetzero/budgetzero

budgetzero.io (similar to financier.io) budgetzero - its free, open source, and can be self hosted in docker. demo github

There's Budget Zero aiming to do exactly that!

Improved Install/Setup Instructions

If you ever do switch from YNAB and want to code your own* then you should look at work already done in the space. budgetzero was posted recently on /r/selfhosted and may be worth checking out.