Software to track income and spending on OS X and Android There is this other question that asks about What OS X and iOS software combination tracks finances?

But most of the software listed there is much to powerful (and complicated) for me. I just tried out the demo for YNAB, but I can't get my head around that software. What the hell is a budget, anyway?

All I want is a very simple tool that allows me to:


begin with a starting balance
enter monthly income (salary)
enter monthly expenses (rent, health insurance, telephone)
optional: with date
optional: quarterly / yearly payments
optional: enter an end date for these monthly monetary flows (e.g. a loan that will be paid at a certain date)
enter spendings on my mobile phone as they happen
calculate a live balance and display it


I don't want to:


track stocks
create a savings plan
connect to my bank account
any other stuff


Plus:


looks nice
exports / saves to file in a format that other software can read (e.g. csv, MySQL database)


I would use an Excel sheet, if I didn't want to use it on my mobile phone.

Any suggestions?
It's not mac specific, but I'd recommend checking out Mint.com.  I was originally skeptical of letting a service connect to my bank accounts, but after using for a little while I am now a believer.   If you categorize your transactions for a month or two it learns, and you'll find that you need to spend less and less time manually entering data.