Yeah, thought this was on r/antiwork for a sec there...

Throwing my hat into the ring for YNAB too. You can enter manually, import automatically or upload a csv/qif file from your bank as and when you please. I have eight credit cards, a car loan, a personal loan and a checking account - and manage them all with automatic import, but for those who don't trust Plaid or MX, or other services that read your financial data directly, you can very easily go "offline" with it and enter or upload manually.

I love YNAB and would hate to go back to my Excel sheets, perfectly crafted though they are. It even survived the cull of last year's price rise for me.

Oh, and none of the apps are as accessible (with a decent, unclunky app) on mobile. I even tried an Aspire Google Sheet for a while, but its mobile app didn't feel finished, nor did it allow me to manage my accounts in the way the YNAB mobile app does.