I started with double entry accounting using hledger and it was always great financial realization but I would stop using it after a couple of weeks. So I started writing a web interface for my ledger file, with the intent to make it simple enough that I actually stick with it. This became pocket wise over time.

Pocketwise does not need need any bank credentials, instead you do the data entry.

But to make it easier you can type (or say) natural language descriptions of your expenses like - "Chipotle $15 cash" or "Netflix 19.89 Apple Card" and it will store them as double entries like

    2025-11-11 Chipotle
      Expenses:Food & Dining                    $15.00
      Assets:Cash                               $-15.00

    2025-11-11 Netflix
      Expenses:Subscriptions                    $19.89
      Liabilities:Credit Card:Apple Card        $-19.89