PearBudget

PearBudget is a straightforward spreadsheet template designed for manual expense tracking, so you're in control of what gets recorded and when. It works with Excel or OpenOffice Calc, and there's no bank connection to manage.

The manual approach suits people who want simplicity and aren't interested in automating expense imports. PearBudget also offers a paid online version if you'd prefer web-based access instead of using a desktop spreadsheet.