I yearn for better personal financial software with things like purchase queues, a simple “should I buy this?” UI, and a way to quickly calculate the downstream

I yearn for better personal financial software with things like purchase queues, a simple “should I buy this?” UI, and a way to quickly calculate the downstream effects of financial decisions. Open banking, or at least clean, timely bank data is prerequisite to anything like that, but it’s been elusive for solo devs in the US. The UK and EU is far ahead in that regard.