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Appreciative thanks to all for your suggestions. I’ve replied directly to one or two but have been too busy setting up trial accounts to respond to each as you posted.

Most of the packages do so much more than I want or need that I can’t expect anyone else to learn their way round them just to take over record-keeping from me for a month.

Now if there were a simple online cash-book with user-defined in & out categories it might be different, but I haven’t found one yet.

As Paycycle say they’ll ‘grandfather’ existing users who don’t want the full Xero offering, I’ll probably stick with them as I’ve got it more or less tamed, but will keep ePayroll in mind as an alternative if/when Paycycle is no longer offered on its own.