I use a spreadsheet and Rocket Money. And then I cross-reference. A friend put me on RM and it’s helped me a lot personally. I check it every day. I think it’s $4/mo and it’s worth it for me, even though I meticulously keep a spreadsheet. (not an ad btw just a fan). None of my savings accounts are linked to RM but it helps me manage my CCs and subscriptions at least.
There are lots of budget spreadsheets out there you can use as a reference to create your own if you can figure out all the excel commands (pretty easy).