[mjs7231]

I've tried a ton of online apps before eventually writing my own. YNAB can be used to help track spending very well. The budgeting aspect is more to help with self control. For example.. Say you want to tighten down on things a bit, and you notice you spend $230/mo on going out to eat. You can set the budget to $200/mo which basically makes the number red instead of green if you go over.

I would place Lunch Money above YNAB right now. It tracks money in a bit intuitive way, and is easier to use in my opinion.