I’m in the process of (very slowly) migrating my household from Windows to Linux and am currently testing Nextcloud as a replacement for OneDrive. In my case, I set it up using pikapods.com because I want offsite storage. The server part of the setup was incredibly easy because the host did all the work.

Getting my Linux client setup was kind of a pain (especially compared to the Android and Windows clients), but everything seems to work ok so far. Of course, I’m only backing up a small amount of data so far, so I can’t comment on the efficiency or speed for a major backup.

I use a budget app for tracking income and spending on a transaction basis and then keep the rest of my finances in spreadsheets.