I only use Microsoft Money. It is no longer available, and has been replaced by Microsoft Money plus sunset.
I use it to keep track of my bank accounts, visa, and funds. I reconcile the accounts and visa on a monthly basis.
I know it has budgeting and expenditure categories etc. but I don't use any of these features.
I find it very handy to both check visa purchases, of which there are lots, and to see the account balances.
My wife does use the balances to keep a sort of cashflow on an excel spreadsheet, but she's more anal than me.
I use YNAB 4 Desktop Edition. ( You Need a Budget ). Brilliant piece of software. Can still be purchased even though they are now selling an online web based version.