I would agree, but when I've sat down to make a spreadsheet it just seems like inputting and categorizing my different transactions manually is a chore. I just want to have something categorize and bin it into necessities, saving, and then see how much off the top I can spend per day. Usually if I have a dollar goal per day or week it makes it really easy for me to budget. Now that my finances are more complicated, its harder to get to that point with just a spreadsheet.