I'm currently using Google Docs Spreadsheets to keep track of my personal financial data. It is much more manual, but once the view over the data is set, all one needs to do is enter new credits and debits.

Here's how I have it set up: I have one sheet with 6 columns: Account, Transaction Date, Post Date, Credit, Debit, Description . When I have a new charge, I add a new row and fill it out accordingly. Every week, or at the end of the month when my statement comes in, I fill in the Post Date and check the charge. I then check if the statement is balanced with my data.

In another sheet for viewing the data, I use functions DSUM and DAVERAGE, to consolidate information, and I store Criteria Constraints within the same sheet, in a separate section.

All textual data is stored in a third sheet which is referenced in the two other sheets using the INDEX function. The INDEX functions reference custom Ranges so that the data sheets don't have to change.

Doing it this way is a bit of work up front, but once everything is hammered out, I believe it's a smooth system. It may not be the most secure, but it allows me to enter data from any computer, my phone or my tablet, so I really have no excuse to not keep track of my charges or not know exactly how much money I have.

I hope this helps you!

e: sp