I use Mint.com to great effect. It's free, it allows you to track all your bank accounts and investments and any property you care to keep track of. It also lets you set budgets.

It doesn't do anything for tracking time.

If you use it you will inevitably find shortfalls. For example, you will inevitably wish that you could apply this month's budget assumptions to previous months in order to test out the budget's performance, and you'll realize that you can't do that. But all software has limitations.