Personal Budget is one of the easiest software programs you will ever find for managing your personal finances. This tool makes it very easy to create a simple budget you can use to keep track of your monthly bills, loans and expenses. Update your balances daily and check down when you have paid your bills to get a real time view of your expenses and how far you have deviated from your original budget goals. You can track where your money is being spent, how much is left and plot a time line of how long it will take you to pay off your debt or reach a savings goal if you follow the budget.