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how do Firefly or ActualBudget and the like compare to something like hledger?

It really just depends on how comfortable you are in the command line. If you know how to get your transactions downloaded from your bank and don't ever want to leave the command line, hledger is great for you -- I've been using hledger since 2019 and love every minute of it.

If you need something point and click, or, need a high "wife-acceptance factor," firefly-iii is not a bad choice.

After coming from hledger, I did try firefly, but, stuck with hlegder due to how amazingly powerful it is with nothing but a text input.

that's my impression about hledger and the plain text format as well. So not going to try other tools also.

Wife acceptance factor tho haha.. we will be fine as long as we never show the beautiful UIs from the YNABs & Fireflys.

Ideally you want to be able to access such a database with whatever frontend you want: CLI, HTTPS (Laravel apparently), Qt and such, etc.

hledger has a decent front-end web UI [1], it runs as a local server on your machine by default. The filter and searching on this view is quite good, and visualization is decent.

We are able to add txns from this UI but I have never used it.

[1] https://hledger.org/1.25/hledger-web.html

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