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I feel your pain – but I'm a happy YNAB user and I've only ever 'known' the web version. (I'm aware of the desktop versions.) I don't use the auto-import features anymore – they never worked consistently with all of my financial providers and I've found that manually reconciling is much better anyways.

Given how awesome YNAB is for me managing my finances, I'm more than happy to pay the subscription.

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I honestly thought about moving to the web version, but as stated, especially the storage of my financial data on some server of a random company is a no-go for me. The privacy policy is also everything but nice. They state that all data is encrypted but somewhere else they state that they may have access to it for support and in case of legal obligation. Not really trustworthy.

There's an option in your settings to share your data with their support people and you have to explicitly enable it for them to see your data/info.

But I understand your reluctance nonetheless.

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