application VS Fava

You could use Budget with Buckets. It's free to use, but you can get a license too. Downside: it doesn't have an app (well, it does, but it's read only and sucks big time).

I use buckets https://www.budgetwithbuckets.com/

I track my balances across various sources, updating once a month. I also set my outgoings.

Funnily enough I don't really use the buckets feature too much, simply the graph over time of savings, and ability to set goals / monthly costs for review is enough.

Right now I'm testing software called Buckets, and I am liking it so far. It's a one-time payment, and the dev seems pretty cool by offering an extremely generous demo. It's kind of a hybrid between manual and automatic, with some macro import options and statement import options that can be helpful. It also has the option to import financial data automatically using SimpleFin for only a fraction of the monthly price of YNAB and Aspire. So far I'm really liking it.

Buckets - I just started to look at this app. It is very basic from what I have seen so far. And while writing this I learned the iOS app is a closed beta. Unlimited FREE trial until you determine it works for you. After that, there is a one-time fee of $49. In September the price is going up to $64.

You might look into budget with buckets

I haven't used it, but the team (person?) that makes [Buckets](https://www.budgetwithbuckets.com) makes [SimpleFIN](https://www.simplefin.org), which seems like it exposes exactly what you want: simple transaction data from arbitrary banks.

Plaid offers [transactions APIs](https://plaid.com/products/transactions/), but I guess to your point these APIs are geared towards fintech companies, not personal use.

I’ve been happy with Budget with Buckets as a YNAB alternative - https://www.budgetwithbuckets.com/

I’ve been using beancount for almost 1.5 years now, and other than having to explicitly open accounts I love it! I use the fava UI to have all the nice modern visuals: https://beancount.github.io/fava/

I used Beancount + Fava for a web UI for years. It stores everything in plaintext files, but the downside is you either have to manually enter everything or probably write a script to import csv/qfx from your bank(s).

I suggest you take a look at fava. I don't think its data entry is good for you but the data visualization is pretty great.

And the following are interfaces of Beancount: Fava, a well-known UI

If you’re tech savvy, you could try beancount + fava web interface. https://beancount.github.io/fava/

I use Beancount myself (heavily supported by custom scripts). Plain text accounting options are not very user-friendly out of the box in my opinion. Beancount has a self-hosted web app called Fava that's good if you want a GUI. I believe there is something similar for ledger.