I'm using https://www.simple.com/, which is a debit card but really a PFM (personal finance manager). I have a ton of goals set up with automatic daily "savings" that move a small amount of money into my goals (ranging from "haircut next month" to "Portland trip"), and Simple calculates how much to move each day based on the amount I need and target date the money's needed. Pretty granular, and I feel pretty in control without any spreadsheets or charts.