It's also great for those with a little more experience. I've been doing my own spreadsheets for years, and while it's helped me budget, it's been a pain to keep up. This software has eliminated the need for it entirely, saving me so much time and frustration. I don't have to worry about tracking down that expense and wondering why my numbers aren't matching the bank's. I can download a copy of the statement and have YNAB compare it for me and find the missing piece of the puzzle in seconds! I can edit it as needed, and the mobile app is wonderful for checking in on the go. It's worth every penny you'll pay for it.