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WorkOS
The modern identity platform for B2B SaaS. The APIs are flexible and easy-to-use, supporting authentication, user identity, and complex enterprise features like SSO and SCIM provisioning.
OP, I can't believe nobody's mentioned financier.io to you yet. You will feel very familiar with it, as it's virtually a clone of YNAB, and it's FREE. You do have to do all manual transaction entry and download your budget file to back it up often, as clearing your browser cache would wipe your budget, but it's the next-best thing if money is so tight you have to stop YNAB, IMHO. Check it out--after all, it's free!
NOTE:
The number of mentions on this list indicates mentions on common posts plus user suggested alternatives.
Hence, a higher number means a more popular project.