Yeah it's just a data store. I wish it was end-to-end encrypted, but otherwise it works pretty well as a drop-in replacement for YNAB. At least as well as you can expect in a browser -- I miss the quick-entry button in the YNAB 4 app, but that's harder to pull off here.

It is also open-source btw: https://github.com/financier-io/financier