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Their new system is SAAS but still doesn't require that you sync your accounts. You can still enter transactions manually.

I thought the new version was a great update compared to the older version (including the desktop software non-SAAS one).

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You could read OP two ways. One, that OP is trying to avoid having login credentials for his financial institutions saved in the cloud. Two, that OP is trying to avoid storing a detailed log of their purchase and financial history in the cloud. YNAB4 satisfies both of those concerns (despite what the other comment says, Dropbox is not required, any cloud sync will work, as long as you don't use the mobile app), their new SAAS app only satisfies concern one.

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