[KhalPanda]

YNAB. I've used it for a few years (since YNAB 4). The automated import and categorization of transactions, combined with envelope budgeting is all I need. About as frictionless as it can realistically get, for my use case.

[hugohamelcom]

I wanted to give a try to YNAB, but I realized that it wouldn't work for me since I deal with both Canadian and European back accounts.