I read a ton of posts already about You Need A Budget. I tried it. Too manual for me.
I exclusively use credit cards (paying them off each month of course). I want to find a standalone (NOT WEB-BASED) software that automates downloading statements from each credit card, and automatically categorizes expenses. I know I'll need to edit some of them, so would like software that learns from my edits and categorizes correctly in the future. Then reporting fanciness is a plus.
Don't need to track income, or investments. I do that myself.
Any suggestions? It seems like Quicken might work, but it has such terrible user reviews ...