I never thought I can be excited about personal finance application, but I do now. I considered all the concept of personal finance applications boring, and used spreadsheets for home finance management until now because all applications I tried were very complex and daunting.
Cashculator surprised me by being very simple and intuitive, and the interactive tutorials walk you by the hand and teach you the various aspects of the application. It took me less than half an hour to learn the application and to transfer all my my spreadsheet information into it.
In my opinion, there are still some small features lacking in the application, like having entries on certain months only, but the developers seem very responsive to user's requests, so it seems they will keep developing this application and add additional cool features :-)
I got Cashculator for 19.95 with a coupon - seems like a good bargain (much cheaper than most other application of that sort).
Regarding previous user comment regarding a way to insert actual account balance - you just enter a number at relevant month in reconcile screen.