I agree that Access will be the easiest and it looks like the Personal Account Ledger template will give you what you need. Access is pretty easy once you play around with it a bit. Just experiment until you figure out what it does and the create a new clean database or delete any practice junk you entered.
Click here for instructions on using Templates to create an Access databaseFollow the instructions for creating a database with a template. In the Available Template screen you should see a search box. Type in
Personal account ledger and Access should find it on Office.com. Download it and it should start automatically with the data entry screen. You can then save it and give it a name and play around with it. I think it will do what you are asking.
Dave