Let's be fair to YNAB first, because it earns its fans: the zero-based, give-every-dollar-a-job method changes how people budget, and the app is polished. The two common reasons people look for an alternative are the price (a paid annual subscription, around $109/year at the time of writing) and the learning curve — the method that makes YNAB powerful is also what makes it feel like homework.
If you love the method but not the bill, you can run the same zero-based approach in this expense tracker for free — no subscription, no bank login. It's lighter than YNAB (less rules-enforcement, more "show me where it went"), which some people prefer and some don't. That's the honest trade: YNAB is stricter and paid; this is simpler and free. Try it and see which side you're on.