Disclaimer: I am friends with the developers, and have been using since early alpha/beta builds. I just gotta say, that for my uses, Penny has already replaced

Disclaimer: I am friends with the developers, and have been using since early alpha/beta builds. I just gotta say, that for my uses, Penny has already replaced Mint. I used Mint as a big picture view of my finances, and the ability to search through my transaction history and so on. But the other majority of the features in Mint, went unused by me. Also the constant advertising of financial services, and other things got annoying. I tried to use the Budgets, but those aren't well laid out. Queue Penny, and I think i got most of what I want, and features that Mint doesn't have, which is figuring out which of my transactions are recurring, and allowing me to get a total of all recurring transactions as a lump sum. That was a major feature I loved from BillGuard that I don't need to log into that for. Simple and easy to access information of all my bank account and CC balances, very nice graphs and breakdowns of my spending in a few clicks. And a solid history of my transactions. It does what I need it to do it, with less fuss and more focus. And I am sure this product will get better with more feedback and use.