Which digital financial tools are most reliable for tracking your spending?

What finance apps, e‑wallets, or tools have you personally relied on to keep an eye on your budget, especially when juggling savings, debt, or investments online? Which ones help you avoid surprises or hidden fees?

I’ve been using a budgeting app that syncs across my checking, savings, and loan accounts. It categorizes spending automatically and sends alerts about odd charges, like when my gym subscription doubled by mistake. Now I catch billing mistakes early on and avoid hidden fees without even thinking about it.

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