Finance OS (Notion, $19 on its own): accounts, monthly budgets, transactions, savings goals and subscriptions on one Notion page, linked so the numbers add up on their own. You get a PDF with the link that copies it into your workspace.

Budget Planner (Excel and Google Sheets, $12 on its own): Budget-Planner-Blank.xlsx for your own numbers and Budget-Planner.xlsx with sample data. Monthly view, year overview and charts that fill themselves in from your transactions.

Finance OS works on the free Notion plan. Budget Planner opens in Excel; for Google Sheets use File → Import. Plain formulas only, no macros. Neither connects to your bank.