Mine wasn’t fantastically complicated - the first column was monthly expenses by date, the second column was paycheques, put in by date so they corresponded with the expenses around that date, then I would colour code each paycheque to the expenses that fell around that date, then I would use the third column for a sum of the expenses for that paycheque less the paycheque. If I got a negative, I re-arranged the expenses on the paycheque (paid one a little earlier, one a little later) to move them to a different paycheque. If I got a positive number, I would go pay almost that much onto my debt (“almost” because I liked to leave a little wiggle room). Each month was a separate worksheet.
Quicken does everything you need with the exception of the business-related stuff. Yeah, they do have the “upgrade treadmill” which is an issue if you do downloads of transactions (as we do). I’m pissed that they don’t offer the option to pay a small annual fee to be able to continue using that - I could deal with the idea that 40 bucks for the software gets me, say, 2 years of free downloads and after that it’s 10 bucks a year, or some such. Since there haven’t been any features in recent releases that I cared about, I wouldn’t need to upgrade at all if it weren’t for the download stuff :mad: .
We’ve got a similar situation with a bunch of different accounts, 401(k), flex spending etc. and it handles them nicely, including recording automatic payments (e.g. the mortgage) and reminding me to make manual payments. We don’t use the budgeting feature that much but it does exist.
QuickBooks might be the answer for your business stuff though I have no experience with it. It’s considerably more than the plain vanilla Quicken, however. Possibly the answer in your case is to do all the household stuff via Quicken, and continue doing some of the business stuff manually. We actually could, in theory, use the Quickbooks software as we have a household employee, but since it’s just one person, I just do her stuff manually (spreadsheet for payroll / leave, use the state’s web page to record quarterly unemployment fees, use SSA website to do her W-2).