alt Hacker NewsI use Tiller. They take the transaction history from your linked bank accounts and store it in a google spreadsheet for you. That's it. $99 a year.
From there I unleashed claude on my spending habits. I'm only a few months in so I'm more focused on financial hygiene.
I would suggest also simplefin. Only $15/year. Its a bit more simple/restrictive (e.g. they only allow like 25 api calls per day), but if you are just doing simple personal budget tracking they are more than enough.