A momentary distraction on the road to the pub. Annual income twenty pounds, annual expenditure twenty pounds nought and six, result misery : comments.
I *think* that Mint mostly does what you're talking about; my boyfriend uses it that way to do post-analysis of his budget. I'm more of a YNAB person myself but it focuses on exactly what you don't want--making sure that you are keeping your categories within their spending limits.
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