Not directly answering you question, but on a similar note, would you be more willing to use the "free version" of these tools if they did the following:

  - Explain what data they share
  - Explain who they're sharing the data with
  - Give full control over what data is shared
  - Give the ability to easily delete/export your data once you decide you no longer want to use the application

I thought it might be an interesting experiment to offer both a "free" and "paid" version. Rather than cutting features for the "free" version, you would instead sell the user's semi-anonymized data. This could even be something like a sliding scale for those more privacy conscious, with more reimbursement given for more data shared.

I use YNAB though I’ve never vetted their privacy respect.

Their business model is more obvious though & I like their opinionated approach to budgeting.

I use https://goodbudget.com/ which has sync facility which i found lacking from many personal finance apps. I checked their privacy statement and they don't sell or share our info with third parties.

Check out everydollar.com. I don’t know their privacy policies but in general I trust Dave Ramsey and it’s one of his products.