@Gargron https://youneedabudget.com has been a godsend esp. with the automatic import of transactions so that I can enter manually once when I complete the transaction via the iOS app, and then verify that transaction once it clears in a couple of days and is imported. They work with and talk to each bank and have chat support that isn't usually immediate but *is* usually pretty helpful and informative.

*not* decentralized/federated but I find it worth it.