[garborg]

I'd use an website/app that supports my preferred data ingestion process -- periodically manually downloading my bank & credit transactions (supporting at least one of: csv, qif, and qfx), and allows me to define at least (account, category, description) tuples mapping transaction to buckets (ideally hierarchical).

(Ideally also a focus on viewing trends at various grains and easy drill down, as opposed to "don't buy any more smoothies for the next 11 days, but go ahead and rent more movies soon -- use it or lose it!".)

I see gnucash mentioned as an option for ingesting downloaded transactions. Any others?

[NoboruWataya]

I believe the various plain text accounting tools (ledger, hledger, beancount) have tools that allow for this. I haven't used them as I use gnucash but they may be worth a look.

[garborg]

lunchmoney, recommended in another comment, ticks a lot of boxes for me and supports uploading downloaded transactions.