This is by far the best free personal finance tool I've used, and I've tried them all. It's fast, robust, and handles everything I throw at it. The ability to split transactions, set budgets (with rollovers), create reports, search abilities, and totals view are all useful.

I can also tell that Roth has put a lot of effort into making the UI flow naturally from task to task. However, I would say that the UI is still the weakest part of mini$. That is not to say that it is bad, but it has some problems that have simple fixes. Of course, simple fixes may not be so simple to implement.