Update 1/2016: The new version of YNAB is now a web app. I haven't tried it (I'm sticking with the no-longer-promoted desktop app for now), so I can't wholeheartedly recommend it at this time.
Original review 2/2014:
I've tried several different software and web app solutions over the years to track my spending, and my favorite (and the one I am currently using) is called You Need A Budget (YNAB).
YNAB is a desktop application in which you draw up a monthly budget for your household spending. You put in your income as it comes in (assigning it to both an account and a budget category) and then you enter your spending as it happens, telling YNAB which account you spent the money from and which category the transaction belongs to. YNAB keeps track of how much money you have in each category, so you know instantly how much money you have left in your budget for each category.
Because it is not a web app, you don't have to worry about the company mining your data for advertising purposes or handing it over to anyone. However, you can install YNAB on as many computers as you need, and are able to use native iOS or Android apps. The way this is done is though Dropbox: Each YNAB installation syncs itself over Dropbox. In my experience, this works flawlessly.
One of the downsides of YNAB is that it does not interface with your bank to download transaction automatically. However, since I've had so many problems with these interfaces in the past with other solutions, I don't miss that feature. You are able to download transactions from your bank and import them into YNAB, if you like.
- Yes, it is easy to add spending transactions via native Android or iOS apps.
- Yes, it does draw graphical reports of spending by month and by spending category.
It is not a web app, but since it does allow multiple installations, synced via Dropbox, in my opinion it has all of the advantages of web apps without the drawbacks.