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DAE use GnuCash for personal finances?
(lemmy.ml)
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Charts in Ynab4 were fairly sophisticated. For example, I could easily drill down into categories on monthly income/expenses. They also looked great since the devs put a lot of thought into the UX.
I switched to Moneydance after nYnab came out and Ynab4 was killed off. I'm not an adherent to Ynab's budgeting philosophy and I didn't see the worth in the monthly fee.
Like Ynab4, Moneydance is a standalone product. It's manual accounting, which I don't mind. It's quick to enter transactions, has a nice summary view, and can backup to separate locations. When I decide to migrate, I can export my data to QIF or other formats.