Oh, billionaires are bad for society. AI is their dream tool for controlling working class masses and getting even richer.

if it can be used against your interests, then it will be used against your interest. because profits or oppression (again profits)

There’s also text-based tools - not sure if they fit your needs. beancount (with ‘fava’ has a nice web UI), ledger, hledger. Good thing about text based is: you can easily use git.

Not sure if they go as ‘budgeting’ software. ‘Accounting’ might be more accurate.