Ynab is what we use works well for us. However the version we use we bought in steam at the end of a summer sale. I believe its on a subscription model now (you need to budget I'm your budget sodtware)
The version we are on from what I can see can be knocked up in a spreadsheet but it may have changed since then
I had no idea that YNAB was (is?) sold on Steam. I find this hilarious for some reason. I’m hoping it has rich presence features and will update your Steam status to show your net worth or current amount of your Available to Budget category.
That's YNAB4, their last desktop version that you could buy once and use forever.
After v4 they switched to the web based version with a yearly subscription. While it's good that they continually improve it, IMHO it's not worth it unless you use an American bank that supports automatic data import into Web YNAB.