GnuCash
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GnuCash is built on double-entry bookkeeping principles, so every transaction affects both an account and a category, creating a complete financial record. The desktop app runs on Linux, Mac, and Windows, and it handles multiple currencies, investment tracking, and generating tax reports. It's entirely free and open source, with no subscription fees or cloud dependency.
It's designed for people comfortable with traditional accounting methods or anyone managing a small business alongside personal finances. The learning curve is steeper than consumer apps, but the precision appeals to users who want full control and prefer not to trust their financial data to any company's servers.