What are some good free/low-cost apps for managing personal finances?

I'm looking for some free or low-cost (one-time payment) apps for managing personal finances.and budgeting. I have read recommendations about some popular choices but they are mostly subscription based and I'm not willing to pay for any subscription. I currently keep track of my expenses on an Excel sheet with complicated formulas to balance accounts and expenses at the same time in two currencies. But an app will make it better.

What I tested: 1. I found finances 2 but I think its desktop version is pretty costly. 2. Greenbook: It's okayish, lags a bit and can't find dev info or t&c. 3. Money flow: Price is great, getting a discount for first time use, perpetual license but cant find the dev info or t&c. 4. GNU Cash: It crashed more times than it worked and I need magnifying glasses to read the screen. 4. iFinance: Perpetual but very costly.

Must have: 1. Multiple account and income categories 2. Income and expense in multiple currencies 3. Customisable expense categories 4. Internal transfers 5. Local/Perpetual/Free app 6. Good UX

Good to have: 1. Multiple users 2. Recurring Expenses 3. Adjacent iOS and android version 4. Basic reporting/statement generation 5. Backup 6. Data protection and favourable T&C.

Don't want: 1. Unusable UI 2. Bank linking 3. Paid or subscription based app 4. Web apps

Update: Thanks for so many recommendations. It's overwhelming. I looked at the recommended ones and I have a few favourite ones. I will run a poll to finally decide.