I'm using YNAB for about 2 years now and even if has it's own downsides (e.g. not available on Windows Phone), it's fairly good (if you add a lot of items while you're mobile, you'll have smart..ish matches for payee and categories).

You can use my referal (and get $6 discount): http://ynab.refr.cc/ZCDFD5D or clean url: https://www.youneedabudget.com/