I've used every personal financial tracking tool out there (Mint, Personal Capital, YNAB, etc). Kubera gives me exactly the information I need, and lets me organize it into meaningful groupings the way I need it. And I love how they integrate with multiple financial data providers in the backend, which solves the problem of constant broken connections to institutions that plague other tracking tools. I highly recommend Kubera. The only missing feature on my wishlist is direct access to transaction level data, but what's currently in the product works extremely well.