Not OP of the comment, but I self host https://actualbudget.org/ and pair it with enable actual from here: https://github.com/2manyvcos/enable-actual

Pairs up with my EU and Revolut bank perfectly, auto imports transactions, most of which you can set rules that auto assign to categories. And as they said 90% is automated, I just categorize a few transactions a week manually.

I tried something like envelope budgeting before in excel but didn't work really since I was lazy to manually add transactions, this is much easier. Budegting for a house and a USA trip without worries now :)

Several budgeting apps use open banking api to connect to bank accounts and update the entries (money in or money out). Once it's synced you can assign the appropriate category. Usually, the budgeting app "learns" over time and it does the categorisation automatically based on the payee and your budget.

The system isn't perfect but, in my experience, it works 90% of the time. The remaining 10% requires manual categorisation. I suppose it also depends on how simple or complex your budget and your spending are.