The author uses a simple script to manage accounts each year, making it easy to back up and version control. The script allows for answering unexpected questions and using data in calculations. However, the downside is the tedious process of updating tagging rules manually when handling multiple transactions. The author contemplates the idea of creating a web app with database storage for a more interactive and user-friendly experience, but acknowledges the added complexity and effort required. They introduce a hacky solution resembling a notebook where code cells can be written and values rendered interactively. This approach provides storage, sharing, and UI without being tied to the original environment.
https://www.scattered-thoughts.net/writing/the-program-is-the-database-is-the-interface/