Here is a very simple but effective spreadsheet in excel:
Download it - http://www.mcarterbrown.com/carter/m...t template.xls
This is the exact sheet I have been using for over 11 years now. No lie, just kept scrolling up until I saw I've been using mine since November of 2001.
I just cleaned it up and put in some example amounts to get folks started.
No need to have a fancy program. Just make sure it balances with your accounts every month, and you're golden.