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No one is mentioning gnucash and I think that's beautiful.
My partner and I used a spreadsheet from Google docs "budget template" or something. Moved on to gnucash after we wanted more features. I love it now, but it was a struggle to learn. Also a clunky interface. Also way more complex than we need. But I did once track down a tiny error in one of our bills, saving us a fraction of a dollar after hours of cross-checking!!
(I do love it though; the tradeoff is that we don't have to do repetitive manual entry and duplication of info. Instead, we have extensive notes on how to accomplish what we want!)