I've been using YNAB4 for almost a decade now. While all of its core functionality can be done in a spreadsheet, I still find it much more convenient to not hav

I've been using YNAB4 for almost a decade now. While all of its core functionality can be done in a spreadsheet, I still find it much more convenient to not have to think about writing custom Excel equations. It's a shame nobody can get it as a one-off purchase anymore.