Mint.com has been a big name in online budgeting tools. Personally, I don't use it a lot, but when I do I am amazed at what I find. This is the very best tool to figure out where you spend your money. They take the data from your bank accounts and give you a wonderful visual indicator as to where you spend your money. You can break down expenses into any number of categories, and the site does a good job of figuring out what categories most expenses fall into automatically.
Mint also offers a smartphone app (Available for Android and iPhone) that will let you see where all your money is and where it is all going. I use the app all the time before spending money to make sure I have enough to cover expenses from the account I want to use.
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