I found YNAB to align the most with how I think about budgeting. Zero-dollar, category based that only focuses on the amount of money you have now and not to w

I found YNAB to align the most with how I think about budgeting. Zero-dollar, category based that only focuses on the amount of money you have now and not to worry about cash forecasting. However, your description sounds like you need a bit more of an accounting and budget application than a strict budget.