Anyway, I was directed to one ABSOLUTELY FREE site that said I could track my finances online, really really securely, no personal identifiers needed whatsoever so I could just relax.
"We ask for your online banking user name and passwords so that we can connect securely to your financial institutions."
Yeah, I'll be using that service. Even if 98% of the people who run it are honest (which I doubt), the entire set of their data probably resides with the Russian Mafia already. How gullible are people? (That's a rhetorical question.)
Back to the drawing board. Or Excel spreadsheet, whatever.