mouldy.org

You should try AceMoney. Like you I use to keep all my records in Excel and made very nice spreadsheets; however it just got way too big. There was too much manual work on my side. AceMoney is a very nice software package for Win32. It can generate reports, you can schedule in future payments, you can forecast your income/debt far into a year, and more. Check them out http://www.mechcad.net/products/acemoney/