I've used MSMoney for a couple of years now. About to get the 2005 update as well. It does a lot more than just break down your income/expenditure. If you want to spend the time (and it IS timeconsuming) you can value all your assets (house, car, insurance, that old Picasso in the loft, etc.) and let the program figure out your net worth. It's also useful to help keep track of share values (and sometimes downright depressing!).
The UK PC magazines tend to put it at the top of the value for money vs usability list too.
There are other products out there and you could probably find them if you had a look on the Dabs website under software.
That reminds me ..... must get all the receipts from the past couple of months into it
ST