Outside of freezing every now and again, and not syncing until you open the app, this is a marvelous tool. Not only are you able to set your budget but you can watch the visuals to see how you are doing. In addition, it performs as a register for any and all accounts you may have. It also shows the exact totals left in each "envelope" as you work for your individual or family finances. I have also been extremely pleased with the support I have received using the paid version. Some may think it is not worth paying an annual subscription. As a former user of Quicken software, I feel this is a much more practical and user-friendly software. Any problems I have had, they have been very quick to respond, usually within 24 hours and solve any issues.