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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 :)

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