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I'm not convinced it's possible to make a Free Software finance tracker with the feature that matters -- synchronizing with your bank accounts -- because banks (at least in the US) don't seem to be interested in letting you connect to their API unless you're an 800 lb gorilla, like Intuit, or at least a for-profit middleman willing to constantly jump through hoops, like Plaid.
in Europe all banks are obligated to provide psd2
You don't have an open banking requirement for banks?
Actual Budget does it through simple fin.
But I hope most American banks work better than PayPal, with PayPal I only get half the transactions. Like I get that I paid Apple 99 cents, but where is the transaction that PayPal charges my bank account 99 cent? Spoiler they don't include it in their exports.