+1 on thinking this should be a solved problem by now. +1 on Chris about ledger-cli though it only solves part of the problem. I too have resorted to writing my own tools in Python simply because I can and can tune the UX and feature set to taste. But even my personal tool punts on the issue of external integration. Partly because its too painful and partly because I dont like the risks that enables. But I can envision my ideal state of affairs and I’m amused we don’t already have it too. At least with tech like Bitcoin its easier to build new systems that can have the features we want, because talented programmers and entrepreneurs have less bureaucracy and legacy holding them back.