We use Google sheets. I can't tell you how do the initial setup and what formulas are used, because my husband set it up, but we start a new sheet each month. We probably have more categories to track than most people want, but I really enjoy being able to check if we have enough money for our yearly car insurance renewal or HOA fees or how much we've saved for house maintenance.
I do need to start doing a yearly summary, I like that idea.
Each month has tabs for:
1) Funds - Monthly initial balances for savings "buckets", retirement accounts, bank accounts, credit cards, etc, total expenses from or additions to each fund, and current balance. There is also a column with total debts (cc balances and mortgage), total positives (savings, retirement, house value), total retirement account value, and net worth.
2) Budget - This has our expected income for the month (broken down into net pay, daycare reimbursement, and 401k contributions + employer match), and then a table with our monthly budget, total expected cost for each category, current spending in each category, current remaining before we're over budget. There's also some pie charts and bar graphs illustrating our spending/saving/income ratios. I budget down to "we put away $9 a month to renew Amazon prime" level, but I really like them all being distinctly funded expenses/"savings" categories.
3) Transactions - I input these manually, but I enjoy that 10 or 15 minutes every morning :) Date, origin (cc, bank account, savings account, income), destination (expenses, savings account, checking), description, total $ amount, and what budget category or fund it belongs to
4) Summary - This is just a summary of the balances of our checking account, credit cards, and ally account to make sure that we aren't missing any transactions. It also gives us an expected end of month value of whether we are going to be under or over budget.
All the tabs are linked, so transactions entered update our budget, summary, and fund overview automatically.