Back in the day when I first started working I used Excel, but it was a total pain in the butt.
For the last 10 years I’ve used YNAB (You Need A Budget), it was a single purchase back then and I still have it on Steam and on my phone. Works great, doesn’t cost me a thing, keeps track of every cent (as long as I spend around 20 minutes a month to put all transactions in).
Unfortunately YNAB switched to subscription only, so it’s a bit difficult to recommend :-/