I did this with a single sheet of engineering graph paper in the 1980s. Rows were spending categories and columns were months and annual summaries. I spreadsheeted it in the 1990s and clouded it in the 2010s.
Simple and powerful if you can see it all on one page.  Takes just minutes a month. Most the mobile apps I&#x27;ver seen use too small screenfulls.  And I DONT TRUST THEM INTO MY WEB ACCOUNTS like Mint wants to do.