MALLOW  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.  
(Version 2.6.2)