Could be wrong, but I feel like the most tedious part is categorization of transactions. I wonder if any have adopted LLMs to make this better?
If you're looking for fully automated recognition of transactions, that might be useful for bookkeeping, but I think this creates too much distance between you spending money (and the application just confirming that) and the wish for conforming to your predefined budget.
Another trick I've seen people do, which is of course more time consuming, is manually enter every transaction into such a budgeting tool. This trick keeps you really close to your spending behaviour, instead of mindlessly looking at spending graphs after the fact. It gives you a chance to reevaluate with every transaction whether your everyday spending, or subscriptions, or other periodic spending is still needed, useful, and if cutting those costs might help you stay within budget, and maintaining your preferred quality of life.
I currently use a spreadsheet, and of course, I still do everything manually. I have basically no self-discipline and even poorer self-regulation, but somehow, I am able to enter transactions every day. If you stay on top of your transactions, it's not really that much time. I probably do not spend more than two minutes a day, if that even (about the same when I was using YNAB too).