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This is why I don't trust cloud services. I track my budget using PearBudget [0], an Excel (or LibreOffice) spreadsheet.

[0] https://pearbudget.com/




I have been looking to use GNUCash myself as a replacement for YNAB. Part of my general drive to text based scriptable systems over GUI.


GNUCash is scriptiable (in fact IIRC much of the out-of-the-box functionality is written in guile), but http://ledger-cli.org/ is much more of a text-based system than GNUCash.


It says 4.95 a month so I am guess this is some kind of SaaS?


They have two versions: an Excel doc and a cloud service. I have no idea what the cloud service is liek because the Excel doc is free.


Doesn't really explain why you don't trust third parties. If you opted in......?




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