What's the best personal finance app?

I miss Mint. And when I say that, I mean that I miss the old Mint before they got acquired by Intuit and started selling my data to anyone who would buy it. I want more than what my bank offers but this space seems surprisingly quiet unless I am hiding under a rock.

What's everyone using for personal finance?

At minimum, I want:

• All the normal budgeting, account views, dashboards, etc.

• To see trends over time on category spend, expenses, income, net worth

• Integrates via Plaid to all banks

• Doesn't sell my data to credit card companies

• To pay a monthly fee in exchange for the company to be workable without selling data

And then my wishlist is:

• Let's me invite my spouse

• Shows brokerage account performance compared to other investing strategies (ex. did I beat the market)

• Sends me alerts when programmable things happen, ex I want an email if "spouse spent more than $1,000 on bagels"

• Has a bunch of personalized calculators that actually work based on my numbers. Retirement is the obvious one but there are so many other ones I would use (saving for college, compound interest planner, big trips, etc.). None of the free tools in this space ever seem to get it right.

• AI looks at all my transactions, sends me an email each month with places I'm wasting money or am outside the bounds of normal ("did you mean to spend that much on bagels?").

Maybe this all happens in @Monarch @Copilot @CreditKarma ? What do you use? I'd love recommendations.