It is everything that I needed from a personal finance app. Unlike other personal finance apps, it works anywhere in the world and it works offline. It works without having to sync to bank accounts which I find extremely safe. It can set budgets in any currency for any combination of accounts. There is not monthly/annual fee.

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It can graph your expenses by category and you can add as many personalized categories as you want. It displays your current net worth in any currency by combining all of your accounts. When you register an expense, named 'Groceries' for example, it automatically remembers the parameters you entered so next time you register a similar expense it auto-fills the rest of the data so you don't have to. It supports an in app password, so only you can access your financial data.

It is great for monitoring your financial activity by creating graphs for any time frame that you choose. When graphing you can select to graph all of your accounts activity, or select any combination that you want. It is by far the best personal finance app that I have owned. It's got a nice look/feel to it. I've been searching for a complete replacement for MS Money.

I'm happy this didn't cost me anything except a little time. I was surprised the find out the simple things that it does not support. It does not have a 'loan' account type and it does not support balancing a checking account. To charge $5 for an app or $25 for the Mac program those basic capabilities should be included. Then in order for it to fully replace MS Money, It needs to support investment/portfolio tracking.