I’ve been using hledger for a few years. I’ve tried Mint, Personal Capital, PocketSmith, YNAB, RightCapital, Tiller, and none of them ever give me a complete view of expenses because there’s always a problem getting data from one or more banks. All of these hosted tools use Yodlee or Plaid on the backend and there’s always a problem.
The common denominator, however, is CSV. Every service lets you download historical data as CSV, which can be imported by hledger and turned into journal files and then into visual reports.
It’s a bespoke setup and super nerdy and is a bit of a pain, but it’s literally the only solution that works for us.
I'll second hledger (well I use ledger but essentially same thing).
To add on for others, importing the data can be done with CSV, but the software itself has a lot of tools that let you automate your imports so you can categorize expenditures into accounts. This is all done via plain text file formats so it's very easy to get the end result you want using any combination of text processing tools you like.
Same here. I love hledger and have a few scripts to convert downloaded CSVs from various institutions into the appropriate format and dedupe any overlap if necessary. Once a month I download a bunch of statements, run a script and have all of the data available to me.
The common denominator, however, is CSV. Every service lets you download historical data as CSV, which can be imported by hledger and turned into journal files and then into visual reports.
It’s a bespoke setup and super nerdy and is a bit of a pain, but it’s literally the only solution that works for us.