I used a hybrid approach with mint and spreadsheets.

Not a huge fan of mint, but I have about a decade of history in there. The UI is awful but every transaction continues to show up. So I export all to a spreadsheet every so often and manage everything in that sheet.

I've tried plenty of tools. Quicken, QuickBooks (online and offline), msn money when that was a thing, a few online services, etc. None of them got it right as far as I'm concerned.

Mint doesn't get it right either. And my spreadsheet isn't very good. But it gets the job done with very little hassle.

Mint requires that you give them login credentials to your bank, credit cards, etc.