Not affiliated in any way with Actual Budget, but I can’t recommend it enough. It’s the FOSS version of YNAB pretty much so if you’re a fan of envelope budgeting it’s a great tool. I’d even say it has quite a few other strengths compared to YNAB (free bank syncing in the EU with more banks supported for example), and you can always be sure that your financial data stays within your reach.
i’ve been enjoying it, the docs are really good. i think it could be a little “smarter” like with recognizing schedules, but it’ll only get better. a major limiting factor for me that isn’t any fault of actual is that my apple card either through simplefin or manually exporting only allows download of the previous month’s transactions after closing. so for that account it’s not really useful for seeing where i’m at budget-wise halfway through the month, only in retrospect and forecasting.