Yeah, I use the much older, not supported anymore YNAB 4 for free. There are a few similar free options, or a spreadsheet. It’s essentially just an electronic version of zero based envelope budgeting

It is helpful for getting out of debt and that’s where a lot of marketing potential lies, so they do focus their efforts there. But we havent had non-mortgage debt in over 10 years, I find it an invaluable tool for allocating our money. It helps me ensure my vacations never threaten our ability to pay property taxes. And makes the trade offs clear when we decide to move money from one category to another. It told me o could afford a monthly Lego budget 😂