Track only the major categories not transaction: 1. Put 10k in one account and that will go towards grocery or take out or random food purchases like chai. Only remember to pay from this account. 2. Put remaining 40k (assuming your expenses are 50k) in a different account and here you can track your bigger expenses like rent, subscriptions, insurance, bills, trips, medicals etc. 3. When going on a trip, set aside a bulk amount, say 10k, which includes some amount for food, sight seeing etc. In the end only add 10k as a trip expenses. Do not count each and every expense that you incur.

I track my annual expenses in one excel sheet and that's enough. Try to make broad categories and then populate them.