After trying many different tools and being disappointed by either bank integration or being locked into a proprietary budget format I settled on using a spread

After trying many different tools and being disappointed by either bank integration or being locked into a proprietary budget format I settled on using a spreadsheet. The template from https://themeasureofaplan.com/budget-tracking-tool/ https://themeasureofaplan.com/budget-tracking-tool/ has everything I need and a perfect level of flexibility to customize it for your needs.