i use
KmyMoney2 for over halv a year now and i like it. I use it to track every account, every liability (my DaddyBank with money i owe to my children at a generous rate) and every investment (even my little ammount of precious metals at home). It uses the principle of double entry accounting so mistakes like typos or money leaks are easily detectable.
My category system (fully customizable) is structured and fine granular, so i can easily see what kind of spending i did. Most of the time however im only interested in the combined networth and the income/spending ratio and the overall picture where my money went.
The best thing, it is open source software and therefore free to download and use.
It is advertised mostly for linux, but since december there is a windows version also.
KmyMoney features a basic reporting system where one can create own reports. I use that to give me the most important infos with a single click (expenses at topmost category for the last three months, overall earnings/savings rate for the current year; and for deeper info the detailed overview for Household expenses like food (divided by basic food, freezed/instant food, sweets etc, restaurants)).
The key was to get to a detailed category system but not overcomplicating it. With the option to collapse the category tree, i can easily see the sums.
For recurring expenses/income (like my paycheck or the rent bill) i can set up automatic bookings that will be entered by the system into the ledger, so i only have to check if it was booked at my checkings account.
I have all those in the system so i can really good predict and plan ahead which allows easier money shuffling and also "what happens in two months if i invest 500$ from my checking account into the stock market right now?".
For the big saving picture and longterm FI-planning i use openoffice calc.
This is also my choice when predicting stuff like overall car costs or to determine which broker has the least transaction fees for a given investmentvalue.