[incision]

>'Based on my experience at least, YNAB (You Need A Budget -- http://www.youneedabudget.com/) is the best budgeting software out there. It's a lot more complex than this, and unlike something like Mint it does require you to manually enter transactions.'

I'm a big fan of YNAB.

Being fully automated would certainly be nice, but grabbing a set of CSVs from my bank once a month is a not a big deal and the software does a reasonable job of matching categories once it has some data.

>'Unless you're a multimillionaire, you can probably benefit from using it.'

I'd imagine so.

What I think makes YNAB really valuable is that is that it's loose enough so as not to become a mess if you aren't consistent and exacting about keeping it up to date.

You're going to get something out of it even if you don't bother to create a specific allowances. Simply going with suggested categories and generating a budget based on prior outflows will provide a useful perspective.