jBudget will help you answer that question and get control over your finances. jBudget is a personal finances tracking/accounting program. It helps you to budget your expenses by defining a set of expense categories and allocating funds to each of these categories. After the funds are allocated you can log you real expenses (transactions that happen when you buy things, pay bills etc..) and see how much money your spend in each category and how it compares to the amount of money you have allocated.

jBudget is still under development, so not all features have been implemented yet. Here are some of the working features.

• Double entry transaction tracking.
• Scheduled allocation of funds to expense categories.
• Scheduled transactions (expenses).
• Manual allocations of funds and tracking of expenses.
• Ability to use different budgets for different months.
• Ability to change the budget for a month.
• Extensive filtering framework.
• Analysis tools: Money flow and total net worth calculators.
• Analysis tools: Debt analysis. Distribution of debt between credit accounts. Effective/average interest rate.