I've gotten very good results with some vibe-coded deepseek book keeping. https://github.com/traverseda/beansync
Parses emails or other sources, extracts numbers, correlates different transactions, web search, asks questions, stores notes (regex based, very simple).
The hard part is getting good data, I'm sure that lexus nexus or whoever can get API access to my bank account and all my credit cards, but I can't. Email turned out to be the best way for most of my providers. Managed to avoid 2factor auth so far, but it will suck when I need it.