I created a personal budgeting web app which doesn't store any of your financial information in the cloud. Instead your budget data is stored locally in your browser with IndexedDB and is sync'd peer to peer with your other devices using WebRTC.
Did you start creating this after YNAB launched their higher prices or what was the impetus?
I have my doubts about there not being a dedicated app on the phone. The most important feature of YNAB is being able to easily add transactions and since you are going the route of no automated import, manual transaction adding from mobile will be CRITICAL to get perfect.
YNAB's solution is really, really good in that space. How does yours compare?
I enter most of my transactions on my phone and I agree that the mobile experience is key. Dollero is a responsive PWA so it can be used offline and can be installed by "Adding to home screen" on a mobile device resulting in an experience that is very similar to a native app. I'm continuing to polish and improve that part of the app.
YNAB is a great product and is ideal for people who are new to budgeting and desire an automatic bank account import.
Dollero is for people who want an envelope budgeting system, like YNAB, but are price sensitive and value their privacy. Dollero is free to use. Data syncing between devices will be a small monthly fee (currently free while in beta) making it much more affordable than YNAB, especially for folks in low income countries. Dollero respects your privacy, your data stays in your browser and is synced directly between your devices. For existing YNAB users I've added back some features that were removed from the new YNAB like multi-month view and carrying negative category balances.
One thing I always wanted to have is automatic consolidation of receipts with credit and debit. Then with the itemization be able to list the weight/size so you can track shrink flation. I found it too hard to do this. My bank surprisingly had this feature but got rid of it.
Now I just set a savings rate and withdraw it. All the apps seem to have high friction. Also shared budgets are another challenge.