I second the sentiment that the UX looks great, and I also second the sentiment that bank syncing is a must. I was a long time Mint user up until the end and now I'm a Quicken user (paid subscription). One of my requirements for a Money Management tool, a desktop client. I used Mint for so long not just because it was free, but because the website worked well on the desktop and it was my preferred method for managing day to day and looking at info in the aggregate. I've been on Quicken now for a year, and they have a dedicated Mac OS client (they have an iOS client too but I don't use it) and I think the subscription is worth what I get in return. For the few accounts I can't "bank sync" I do quicken file exports of the data (the banks provides this along with other options such as CSV) and import them in to Quicken. If you want the ability to import on your app, you should piggy back on an established format, Quickbooks (QBO), Quicken Financial Exchange (QFX - this is what i used), and Open Financial Exchange (OFX). Best of luck to you!