I am an advocate of plaintext accounting, and hledger is my go-to tool for this. A good summary of WTF and why on their landing page. All of the various bank accounts and cards I use have some sort of CSV or XML export function. Feeding these in to hledger gives me a powerful direct view on my finances that I can analyze in aggregate for budgeting and planning, but also zoom in to a specific transaction or range of transactions.