I'm a devoted user of the non-web-based version of YNAB (aka YNAB4 of YNAB "Classic) but as support for that software is being gradually phased out in favor of the web version, which I do not want to use for a number of reasons, I'm considering software called Financier, available at financier.io. There's a free version but I paid the $12 annual fee for an enhanced version and to support the developer. It's pretty much a direct copy of YNAB4 (a zero-based budgeting system), which has changed my life and finances more than I can say. Financier also has a forum.