Microsoft Excel! Lots of awesome formulas and tools. I love mine. I havent used a paper checkbook in a year..--Answer1:Try using www.mint.com -- its a great website that has been recommended by the New York Times and a bunch of other credible places.You enter in your bank account information (its totally secure) and categorize your transactions. It will give you a budget for each category, like entertainment, food, mortgage, etc. Ive been using it for a few weeks now and its awesome; it sends me regular e-mails to alert me that Im approaching my budget and shows me trends in my spending. If you have investments, it also suggests ways to get more out of the them.Good luck!.--Answer2:i hope this isnt more complicated than I think it is but I have budgeting in my life its really quite simple first: 1. find out the most important things you need to pay off so for me thats my 600$ rent each month2. find out how much you get paid for me thats 1000$ per month3. subtract the amount you NEED to pay off from the amount you get paid 1000$- 600= 400$ for me to go shopping with each month :D.--Answer3:The easy answer would be to forecast your sales for the following year and to allocate expenses accordingly. It would all depend on the type of business you are in. There are industry benchmarks as far as what percentage of your gross revenue should be allocated to your overhead i.e. supplies, wages, advertising etc.If it is for personal, then you can take your income and do the same. Be sure to account for all expenses that dont change i.e. rent/mortgage, insurance, cable etc. You can add in or subtract your extras as needed.