I've been spreadsheeting for a while. Recently been looking for better alternatives. People often mention YNAB although I'm not a big fan of it, I know there's a few others. I've actually been building a budgeting tool that I'm hoping to ship for free soon - it stores all of users data within the users browser so nothing enters a cloud service. The only difference here is that you have to save a copy of your data every so often incase the browsers cache clears, or your latop breaks. Check it out here if you want to try it/ let me know if it serves your purpose.
https://jontycollins.github.io/Voulta-Personal-Finance-App/
Really strong effort. A lot of useful features that I'm looking for in budgeting apps. You've obviously gone for a privacy feature as its selling point but how is the encryption different to anything else? Surely every finance app has a strong encryption?