I can still recommend the pre-subscription YNAB. It used to still be available on their website but that's gone now, too. Supposedly you can still download it through the Wayback Machine. https://web.archive.org/web/20190122064610/https://classic.youneedabudget.com/

However you want to obtain YNAB 4, it's going to be a trial but it's really simple to extend that trial by however long you want. To my knowledge there's no difference between the trial and the paid version.

Here I'm talking about YNAB 4.3.857 but this trial date editing probably works on any version of 4.

1. Install on your computer. Launch YNAB4 for the first time. Click Start Trial.
2. Close YNAB
3. Using notepad, open the file %APPDATA%\com.ynab.YNAB4.LiveCaptive\Local Store.lic
4. Change the <expirationDate></expirationDate> date to be 10 years in the future
5. Re-open YNAB4. Go to Help->Purchase or Activate YNAB

You now have 3686 days to enjoy using YNAB4