When I downloaded Cashculator Free, I was looking for an application to categorize and record my spending/recieving, just to see where it all went on a monthly basis - it turned out to be the perfect app for that.
I am a single, low-income (well, practically, broke) college student, with no dependents. At the end of each month I review my online bank statements and enter them into the categories (that I customized for myself) in Cashculator. Then, I just see for myself how I need to change my spending habits. This is really easy, because, like I said, you can customize spending categories and, at the click of a button, see how your income/outcome differ.