As others suggested the backend is probably already installed on most computers but not setup, namely :
- ssh to manage passworldless across multiple computers (you need that for data to be safe)
- scp/rsync/rdiff-backup to actually copy the data thanks to ssh keys
One could imagine a dedicated user per machine that is for read-only of data (maybe after some encryption, limited to very specific directoriess) and another for storing only of data (with no access except to write on disk and with a maximum quota).
What this highlight though is that the centralized managed cloud model is challenging to replicate as purely p2p at home, namely backing up your phone to your desktop might be find but the other way around, probably not. Maybe even more challenging, what do you actually backup? I would argue your home directory but... clearly not your e.g. Steam games (humongous) or other backups or video files downloaded from the Web. So... probably a select set of directories in home then, but which ones? ~/Documents only? This specific part implies some decision from the end user.
Anyway I believe all the tools are there, but I think what most people lack is to view the result and for that maybe some equivalent of https://gitlab.com/ikus-soft/rdiffweb/ which shows when was the last backup done, how big it was, etc basically some form of visual to feel safe.
Finally to skip the CLI key management part the closest I know, for end users, is KDE Connect https://kdeconnect.kde.org/ which I discovered after building my own https://git.benetou.fr/utopiah/offline-octopus kind of equivalent, namely a way to use devices on LAN. Backup is not a default feature though but could be.