Been using this software for about a year now, so I've had a chance to give it a good run and it is excellent. When I was first looking for a money/accounting app, I tried about half a dozen. This was the one I settled on, not because it was free, but because it was the easiest to learn and it imported from my bank without any glitches. Since I had taken one accounting course, I understood the basic idea of a double-entry system (which this app is "loosely based on" according to the developer) and knew it's advantages. It felt a little odd or counterintuitive at first, but ultimately it allows money to flow from one category to another without losing track of it, for example if you want to keep some cash around. I only use the app for tracking expenses and income, but it does have a budgeting function, too. Once I got into a habit, I could simply download my information from the bank a few times a month, fill in the categories and get a nice profit and loss report with pretty pie charts. It's worth trying different export and import formats--mine seems to handle the Microsoft Money format from my bank the best. After spending a minimal amount of time learning this application, I have found it to be one of the most useful. I would have liked to donate to the developer for continued development but according to their site, they "don't even like money," LOL.