I think you can do a lot with a simple spreadsheet. I have a sheet that I copy from month to month, where I record my wages in one sheet, then reference that total in my budget sheet, where I decide what categories to allocate, and I carry over any left over from last month that wasn't used. I have a percentage column, a recurring amount column and a actual amount column. Any one of those three will be a hard coded amount, the others will be calculated, depending on the case. For example, you only want to spend so much for heat/electricity each month, so that is hard coded in the actual amount column, whereas I'd want to carry over leftovers that I didn't spend in my donation budget, so that goes in the recurring amount. Savings then is a calculated amount. It shows a nice pie graph too, to visualize what you're editing.<p>Then I have a spending sheet where I record the category, amount and description.<p>Finally I have a spending info sheet that adds up all spending for each category and compares it to the budget throughout the month. That way I can calculate the leftovers, or if I didn't allocate enough that month so I can adjust next month.<p>It's worked great for the past year for my wife and I