I’ve been using hledger for a few years. I’ve tried Mint, Personal Capital, PocketSmith, YNAB, RightCapital, Tiller, and none of them ever give me a complete view of expenses because there’s always a problem getting data from one or more banks. All of these hosted tools use Yodlee or Plaid on the backend and there’s always a problem.

The common denominator, however, is CSV. Every service lets you download historical data as CSV, which can be imported by hledger and turned into journal files and then into visual reports.

It’s a bespoke setup and super nerdy and is a bit of a pain, but it’s literally the only solution that works for us.