I love that it is able to look at my historical spending data and give me recommendations for how much each category should cost per month to stay within our budget. It's also very helpful when looking back several months or years worth of transactions because you can see where your habits have changed (e.g., if we are buying more coffee from Starbucks vs Dunkin Donuts). If you're new to this product, they offer an introductory pricing plan with no commitment -- which makes sense since there are many other tools out there to help manage your finances. We've been using it for about two years now so it has gotten pretty good at figuring things out by itself but sometimes I do need to intervene manually in cases were their algorithm gets confused. This usually happens around holidays, especially Christmas/New Years.