I used to track everything in a spreadsheet manually and early last year finally found time to turn it into an app which pulls in my credit card transactions automatically. I still input lots of expenses manually since I'm living in a primarily cash-based society and it works great for my needs.

Not sure what your idea of "sophisticated" is, but it's definitely the opposite of a terminal-based app. It's built on a modern web stack and it's called Lunch Money (https://lunchmoney.app)!