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I recognize it's old school, but the new version of Quicken is pretty spectacular. I say this having abandoned it and getting my money back in 2006 and strenuously avoiding Quicken ever since. Seriously. It's a damn handy program, and it syncs with your phone.
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Oh yeah, dude. Not even. Take it from me - I did MoneyDance for like six years, then switched over to Quickbooks, where we manage two businesses... and Quicken is stupid simple. Does all your budgeting, categorizing, projections, synchronization, all of it. I was able to drop retirement funds into it in like three clicks.