It's honestly trivial for me. I use a budgeting app (YNAB) that downloads transactions daily, and spend maybe 15 minutes a week total on it. I don't even record most transactions on the fly, but I know where we've used our cards and 95% of transactions I can quickly verify as correct.

That said, the frequent download is a crucial part. If I had to do this on a monthly basis it would be much harder because I'd have to put in an hour of work all at once.