I used to use You Need A Budget and was looking for an open source alternative. I’ve been using Actual since last year and I really like it so far. It has all the features I’d been looking for and is free and open source. It seems to fit your list of requirements as well! I’d highly recommend it!

I use Actual. How it works is very similar to YNAB (you budget the money you currently have) but it’s open source and privacy focused. I started using it a few months ago and I really like it so far!