[BeetleB]

As others have said, you're likely too granular. I just separate into "Groceries", "Supplies", "Clothes", etc.

I couldn't quite understand what you need, but I use KMyMoney (migrated from GnuCash over a decade ago). If you've gone to Walmart and itemized in the past, then the next time you go to Walmart and import your CC statement, it will pick the last Walmart transaction with a similar total charge as your starting point. It's mildly helpful.

And yes, it does do Categories instead of Accounts. The latter, however, is more in line with accounting principles.