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Though it's not fully automated, it's close enough, it provides unlimited flexibility (every other system I've tried eventually gets in my way a little too much), and the price ($0) is just right.
It lives on an S3 bucket and stores the data in local storage.
Gnucash. Not that hard to learn and use, free, libre, and pretty solid community support. It's served me really well for several years including some changes in my financial situation and complexity.
I switched from YNAB to Gnucash and I am very happy with it. I even wrote a couple of scripts to convert Shift JIS encoded csvs to work with Gnucash transaction import. I have an accounting routine that I run through every month and import everything from dozens of bank accounts. The community is also very nice and they were very accommodating towards my bug reports and fixed them very quickly (it had something to do…
The only things I track are stuff which has tax implications - in which case things like that go in my FY folder until tax time.
It's in need of an update to stop duplicating sheets and just either add columns, that way I could easier do things like compare over time or create charts, etc. But I often have extra notes or other things in each sheet as needed, so I'd need a way to still incorporate those. And it's been working well; mostly ensuring I don't forget any of the individual bills.
The harder thing for me is when I get a paper bill, ensuring it gets scheduled to be looked at and paid if I don't do it right away.
It's OK, not perfect but OK.
https://actualbudget.com/ it is now open source and free