I'm totally happy with excel. Once you have all your formula together, it's as best and customised as it can get.
It probably takes you up to 2 Months to get all the calculations going, but after that you have almost no work todo with that.
I automated the system almost completly. Fetching my Bills monthly, cross-referencing it with amazon, gmail, steam and several other services. Automatically assigning categories. Several income calculations and all the good stuff.
I highly recommend it.
cheers