Have been using excel. Mainly to work out income, and what I would like to see put against each area. Also I used to to cacluate how much I need to put in the bill account.

Currently I am moving across to Quicken personal. I want to actually see what we are spending, so will be going to the great details of entering every receipt we get. I think there is a big difference between what I would like and what is actually happening.

ANZ has an online one that accesses your accounts, imports the transactions and then assigns them to categories (eg Coles would go against groceries). It seemed ok, but I really wanted one that did not require me to be connected to the internet.