Calendar Budget is a great personal finance tool. I have all my cash and credit accounts set up, along with recurring bills. I’ve set up budgets and monitor them each month. I download my bank account info and reconcile each week, usually Saturdays. It only takes 15 minutes or so and keeps me focused on my money with minimal time spent. I like that it allows me to change the budget monthly, since I have certain bills like home insurance that I only pay once a year.
What I really like is the running balance shown each day, which allows me to look ahead and see where my finances will be. There’s nothing out there that allows this! I can do what if’s by changing numbers or adding new expenses, and see the impact in the future.