For our familys purposes, this app. has been very useful and is practically used daily. Its pretty convenient to have one app. to keep track of various balances on and within multiple Checking / Savings accounts, including childrens accounts. We have started to budget detailedly using another app., and this app. has helped a great deal with organizing everything in terms of distributing funds within an account; e.g., how much of the total balance goes to certain budgets paid by such account. Yes, it can be time-intensive inputting data, but once we firm up our budget, most of these line items will be automated to where we can just check off balances periodically. The app. is very easy to use and configure Categories or Sub-categories too. Overall, we love this productivity app. because of its simplicity and efficiency of use.