I was a long-time fan of YNAB and the envelope method, but the app has unfortunately become much worse. Instead of real features, there were questionable design changes that disrupt the user flow – all while prices are rising.
Luckily, I discovered Actual Budget on Digital Independence Day. It is open-source, supports the envelope method, and can be used offline or self-hosted. Unlike YNAB, the community provides features that actually help, such as templates, rules, and notes for all categories.
I am now hosting it with @ubernauten@uberspace.social. Instead of paying an expensive subscription for a worse user experience, I prefer to donate the money directly to the developers of Actual Budget while supporting a local hoster.