Selfhosted
A place to share alternatives to popular online services that can be self-hosted without giving up privacy or locking you into a service you don't control.
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Yup, probably.
But hey, there are free options (Actual and Firefly), so there's no harm in trying them out. If you can replicate your setup in YNAB, you might just save yourself some money. But definitely don't ditch it until you've gotten everything set up first.