You can make a decent toolkit with Excel (or OpenOffice Calc), I've done that myself and it works fine for me unless you have a complicated personal economy that requires top notch software. Some banks give away free CDs with personal software (both personal economy, stocks and shares, etc) so what if you check around with your local banks?
Or check some of the tools mentioned in this article:
http://financialsoft.about.com/od/re...FreeSoftwr.htm