Right now I have a sheet for each account that has columns for date, payee (i.e. the merchant), envelope (e.g. Groceries or Books etc.), memo, outflow, inflow and balance. And I enter the transactions manually. I enjoy that part actually since it keeps me mindful and I only have two accounts (checking and a credit card) that I frequently use.

Copilot looks very polished and handy. Though I have found that I really like the customized control that a spreadsheet gives me. Though I haven't used it, I could implement most of what I see in Copilot in my spreadsheet, and have already.