I use Quicken 2008 Starter Edition, from back in the day when you could buy a $20 DVD at Costco and have forever software. For all I know, you could probably buy a disc on eBay.

While I still have the disc, the program (and data) have transferred seamlessly from (Windows) laptop A to B, and then from laptop B to C over the ensuing sixteen years.

It's a standalone with no input to or from my financial institutions. It's actually pretty trivial to balance bank statements monthly (high throughput accounts such as household checking) or semiannually (for low throughput accounts e.g. HSAs)

What I now have is a pretty robust database wrt spending. Electric bill seem high? It's a few seconds to tell me what it was in January 2019, 2020, 2021, 2022.

Christmas expenses? Xmas 2023 was exactly halfway between 2022 and 2021.

Did I remember to pay estimated a state income tax payment last June? Again, twenty seconds or less to tell me exactly how much and on what date.

It's worth it to me to not have that info on some corporate database, much less my bank/brokerage login info

FWIW YMMV

--sutton