I replaced YNAB with TillerHQ. It dumps transactions into a Google Sheet/Excel and came with some standard templates. It's less opinionated than YNAB but way more flexibility.
E.g., I have formula-driven sheets that:
1) Aggregate taxable transactions across accounts that I can send to my CPA to prepare my quarterly tax payments
2) Aggregate account balances and period-over-period changes for my living trust that I send to my lawyer every year to include in the trust's documents
3) Flow into calculations for FiRE
4) Flow into aggregated/filtered views that I can share with specific family members, like showing what's in 529s I have for some relatives
and it's entirely in a spreadsheet in my account -- if they go out of business, all I have to replace is transactions import. The rest of the tool is forever mine.
E.g., I have formula-driven sheets that:
1) Aggregate taxable transactions across accounts that I can send to my CPA to prepare my quarterly tax payments
2) Aggregate account balances and period-over-period changes for my living trust that I send to my lawyer every year to include in the trust's documents
3) Flow into calculations for FiRE
4) Flow into aggregated/filtered views that I can share with specific family members, like showing what's in 529s I have for some relatives
and it's entirely in a spreadsheet in my account -- if they go out of business, all I have to replace is transactions import. The rest of the tool is forever mine.