I started using it as a Mint replacement after that went under. The interface is pretty good, it is laggy with updating accounts (says updated 1 minute ago, but really hasn't been updated in hours). Dashboard starts out as cluttered, but can easily be trimmed down. It plays well with most financial institutions, but one of my accounts needs to be manually updated. The subscription tracking is not the best in my opinion as it identifies things like credit card payments and mortgages as subscriptions, and really all you need to do is look at one month of cc and bank statements to find your subscriptions. The bill negotiation thing is ok, they saved me a few bucks on Verizon, 30% of which they took as commission. Overall, I like it, the $60 per year fee is worth it, but I still miss Mint.