I have been using this application for a couple of months and really like it a lot. This free version allows for one account. It's perfect for me because I only need to track one account. It is most useful because I usually just carry my debit card so I don't have my check register with me. I always have my phone so it's very easy to take a moment to recoed my purchases. I always know just how much I have been spending.I would recomend this application to anyone wanting a simple way to keep track of their spending.