Some of the features you’re looking for led me to switch to Quicken a few years ago. It’s a legacy desktop app (Quicken Online sucks) and it’s not very fast but it is still the gold standard for personal accounting software. I’ve honestly been happier with it than I was with anything else I’ve tried.

Thankfully Intuit sold it off so they can’t enshitify it anymore.

I would advise against it. Separation of concerns isn’t important until it is. If your host server is unavailable for any reason, now EVERYTHING is unavailable. Having your server go down is bad. Being unable to browse the internet when your host is down and you’re trying to figure out why is worse.

There are also risks involved in running your firewall on the same host as all your other VM’s without adding a lot of complex network configurations.