While I don't think this approach meets OP's requirements (they seem to be looking for something a little more turn-key), I hope other readers of this thread will fall down this rabbit hole.
I'm now in my 5th year of tracking every penny in and out of my life with hledger[0], with a mostly manual approach. Some benefits:
- as noted by a spreadsheet user, it adds friction to spending money, which has curbed frivolous/ unplanned expenses for me (and double entry accounting makes it impossible for money to "disappear")
- if you subscribe to Files over Apps[1] hledger and its ilk (beancounter, gnu cash) are hands down your most mature, stable options
- I've learned a great deal about accounting and how money works in general
- the reports I can generate from my ledger give me a decent starting point at tax time
Happy accounting!