I maintain my own records, using EXCEL, across my own accounts and my wife's - 2 current accounts + 3 deposit accounts + 2 credit card accounts.
IMHO, the methods for maintaining financial records will vary from person to person. Buying an off-the-shelf solution and relying on it to provide a different aggregation of income and expenditure would not work for me. And, I suspect, others too.
The most cumbersome apect of getting set up and, if you want to, a retrospective take-on of account data (copy/paste from 365 Online in my case). After that, a weekly catch-up lasting about 30 minutes is enough to update the positions.
If I knew how to program a front-end and database .. sigh !