I feel like I'm the only person still just using their ancient Excel sheet from years and years ago. I'm not even using it "correctly". This is all people need, I don't know why people pay for whatever ynab is today. I keep a new file for every year and I keep a blank one. I roll the previous year into a simple income on the first of the year. Everything just works. Sometimes I take all the register entries and just make a big long meta sheet to see if stuff "makes sense". Yeah, that's the YNAB I tell people about, not this one, whatever the heck it is now lol.
I've been using YNAB4 for almost a decade now. While all of its core functionality can be done in a spreadsheet, I still find it much more convenient to not have to think about writing custom Excel equations. It's a shame nobody can get it as a one-off purchase anymore.