Most personal finance tools require either a direct bank connection (Plaid, Tink) or uploading your data to a cloud service. Both mean giving sensitive financial data to a third party.

I've been thinking about this for a while. The alternatives I found are either too manual (spreadsheets) or too complex to set up (Firefly III, Actual Budget with full Docker stack).

Curious how HN handles this. Do you: - Use a local tool and accept the setup complexity? - Trust a cloud service and accept the privacy tradeoff? - Just use spreadsheets? - Something else entirely?

I ended up building my own solution (happy to share if there's interest), but I'm more curious about what others do.