Call me simple. I manually export CSV files from the finance companies. (Should automate this). Vibe coded a CSV parser that will auto categorize, sort all expenses/income. Expenses go in one sheet. Income goes in another. Pivot table renders the data.

I can track money spent and earned down to the penny.

Takes less than 20 mins a month to update/manage it. I actually enjoy having sit-down time to "do finances". Keeps me leveled, and forces me to think about how much money I spent and the value I gained from the expenses.