Well, PTA basics are quite simple, you can track quite easy your income and expenses. It depends how much things you want to track (cash, banks, mortage, stocks, …) and the detail you want to achieve (reports, queries, depreciations, budgets, forecasts…).

The limit is not the tool but your needs or as you said your time.

If you want to track all your wealth with one single tool (bank accounts, stocks, bonds, funds, properties…) I would recommend plain text accounting tools suchs as ledger-cli, hledger or beancount. I began with ledger-cli and move later to hledger.

You will learn a lot of double entry accounting and you will keep accounts with plain text files with version control.

It is a rabbit hole…