Good to see that LunchMoney is still in business 2 years later.
For such long-term and sensitive tracking like expenses, I simply don’t trust any tools other than general-purpose spreadsheets, that are going to both be maintained in 10 years, AND allow you to export data.
I use Actual Budget (https://actualbudget.org/). It is open-source, private and self-hostable. It follows the YNAB method, and can directly sync from practically any bank account without problems.
I use it in desktop and mobile since they offer a very good PWA