Tried many alternatives, from GNUCash to MS Money to various iOS apps to heavily smart&#x2F;complex spreadsheets to solutions in the local Brazilian market (GuiaBolso and Organizze).<p>GuiaBolso is most of what I use today, beucase it works like Mint, auto sync with banks. In Brazil, Mint does not work and getting statements automatically is a major PITA, so much that GuiaBolso is a major, funded startup, relying mostly on the auto sync feature.<p>Even then it&#x27;s a bit ugly, they likely use web scraping, you have to share your internet banking password with the app, and some banks go the extra mile to prevent scraping, such as requiring a one-time access token (time generated) each time you want even to check your balance.<p>Good thing is, in most major banks, your &quot;internet banking&quot; password is a read-only one, since you need a second auth step to move money in any kind of fashion (either by entering the plastic card PIN, or by authorizing with a QR code from a previously-authenticated smartphone)<p>Side note: Brazilian banks, if you&#x27;re somehow reading this, please add some dead simple, read-only, API-like mechanism to let me (or apps) automatically download statements.<p>It also attempts to autocategorize your transactions using black box magic (likely by your own historical categorizations + heuristics or some degree of machine learning as a catch-all net), and it gets most things right (especially credit&#x2F;debt card spending, where it gets like 90% right), so that&#x27;s a good start.<p>While it has nice features, it still doesn&#x27;t do all I want. In pretty much every solution I tried, there was always something that was not quite how I&#x27;d like it to be.<p>So I decided to roll my own - I scrape data from GuiaBolso to an sqlite database, mix it with manually entered data (which I grab from sources where GuiaBolso does not reach), and built some Python scripts to fit things into my own category structure (GuiaBolso does not allow subcategories), and crunch numbers for more sophisticated analysis.<p>I did this because while GB&#x27;s graphs cover some basic needs, there were still things left unanswered - how much do I spend per day of the week? Per day of the month? Only in a certain category, to avoid odd transactions interfering with the analysis? Am I spending more in large purchases from time to time, or consistently?<p>There&#x27;s no way GuiaBolso will offer all of this, and it also does not offer any kind of data export (I would guess that their current business model depends a lot on data lock-in).<p>I also ordered a NuBank credit card, a smart-ish credit card, where everything is done via app or otherwise digitally - spending tracking, payments, order details lookup, etc, which I plan to try over the next few weeks and maybe integrate into my workflow somehow.