Second this. I've been using YNAB for two years now and pay the yearly subscription. I'm from Europe so I can't connect it to my bank accounts, so I enter ever

Second this. I've been using YNAB for two years now and pay the yearly subscription. I'm from Europe so I can't connect it to my bank accounts, so I enter every single thing by hand, and it works fine for me so far. I've grown to like budgeting and generally managing finances which is pretty helpful now that I work as a freelancer through my corporation.