That’s a fair point. Automated bank imports sound essential at first, especially with many accounts and cards.

In practice, though, I found them less useful for budgeting than expected. A bank statement tells you how much was spent and where, but not what the expense actually was. “$100 at a supermarket” could be groceries, pet food, a lawn mower, or business expenses — that context is what makes budgeting meaningful, and it usually has to be added manually anyway.

At that point, entering the expense directly with the right category often turned out to be simpler and more accurate for me. Automated access would still be nice for reconciliation, but it’s not the silver bullet it’s often perceived to be