I don't think having dedicated accounting software is required for personal use. Except maybe if you wanted it to go online or something. The problem i have with accounting software is that much of it is not neccessary and just gets in the way. I use Excel 97 which has templates built in which is enough for my personal use and it's really simple to use. Personally i think Libre Office would be the best choice for the Amiga if it ever comes out. But maybe this would not be enough if you wanted to do more than just bookkeeping.
What type of accounting did you want to do out of curiosity?