First and foremost, this package has been a huge gift to our marriage. It offers a low maintenance way for us to see the complete financial picture of our partnership at anytime. We spent an afternoon together setting it up & we are now able to make intelligent financial decisions without spending a lot of time (that we don't have) creating & updating spreadsheets and trying to pull up information from every bank, credit card, etc that either of us uses. Some institutions don't make it easy (or possible at all) to share information with a partner so this has been a wonderful way around all of that. If you are a business owner who has to sometimes provide a personal financial statement to banks or investors, this will save you tons & tons of time & you will wonder how you ever got by without it. We have used personal finance software in the past & found it very difficult & time consuming to keep up with the mounds of tedious data. This program is sleek & easy to use. The one weak spot is the various third party connectors to the financial institutions, but this is not really Kubera's problem. It is an evolving area that will no doubt see improvements as time goes on. There are some connections that are flawless & others that need babysitting but this is still very manageable compared to entering transactions in a traditional bookkeeping package. We have found that the ROI calculations are better than any other tool we have looked at. We like the approach of tracking the amount invested vs current asset value; rather than trying to track individual dividends, capital gains, etc. In summary this is a great tool for people who are focused on their overall net worth instead of budgeting (tracking miniscule transactions). They are continually making improvements and we look forward to what they will come up with next. A big 'Thank you' to the developers at Kubera for an outstanding concept & implementation. We highly recommend this package!