this post was submitted on 27 Aug 2023
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If you want some cloud syncing but also want privacy, then you will have to self-host, or pay someone to do it for you. There are some free tier Nextcloud accounts, but quite limited in storage. Disroot is one of them. If you do end up self-hosting, there are really good budgeting stacks out there:
https://awesome-selfhosted.net/tags/money-budgeting--management.html
My partner and I use Actual budget, and I can recommend it.
For any of these services, you don't even have to have a server running 24/7 if you don't add transactions live. If you do it once a day, just boot up the Docker container, store your stuff, and go about your day. But if you want constant access, you'd have to leave the server running all the time, and to access from the public network, then I recommend Tailscale.