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ActualBudget is a pretty great YNAB alternative that is free and locally hosted.

I second that. Switched from ynab4 (used some version since 2011) to Actual Budget a few month ago. Some tiny ux issues, but improvement in many more areas. Don't regret finally kicking ynab out.
Odd, earlier this week I was cleaning up some ooooold VMs/docker stuff and came across something I was using to try out actualbudget, so it's an interesting coincidence hearing it mentioned again today.

IIRC I was pretty impressed with it back then. It looks like there are more non-direct install options now. (Flatpack, appimage, etc.)

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