Overall: This is one of my favorite and best cloud application that I have been using since 2012, it has all the features that you can expect from an online cloud based accounts management. As a developer and project manager myself I could not have expected anything more from the team. Support this team by applying for the offers that they present as an options to save.

Pros: Very easy to understand nothing to download or install just setup your accounts online: credit cards accounts, bank accounts, investment accounts... Major US Institutions are integrated and also you have an option to enter manually any account or institution that are not supported. It pulls all the individual transactions from your institution in a secured transaction, simply categorized your transactions, add tags, notes and voila you have all the reports in real time. Drill down your report with pie or bar chart add specific filters: month, year or custom filter for specific category, account, merchant or tag. Export transactions to a CSV for further analysis or reporting with the power of spreadsheet. Setup your budget, goals for tracking and alerts. Best part it is Absolutely free!

Cons: Currently it does not support multi-currency due to which if you have an overseas account and you would like to see your net worth you will have to convert those transaction manually and enter them. It only supports US institutions no support for overseas bank, institutions. No integration with Turbo Tax or any tax software for filing taxes online

Recommendations to other buyers: This application is from a reputed company that also developed the most popular tax software: Turbo Tax. I have never seen any loss of data or down time in my experience from 2012 till date. I will highly recommend this to anyone that needs to keep track of all their accounts in one place and also to see the trends of income, expense, budget and net worth.

Overall: I love using this to keep track of my personal finances. I feel much more in control of everything than before I used it.

Pros: I login for a couple of minutes every day. Since it's automatically linked to all of my accounts, I am way way more likely to catch any fraudulent charges. I feel much safer keeping an eye on everything, all in one place.

Cons: I'd be happy to pay a bit monthly towards removing ads. The phone app is difficult to use, you really need to use the online version on a computer.

Reasons for Choosing Mint: Cost

Overall: I started using Mint a few years ago after deciding I wanted to keep track of my personal finances. I initially started out writing out all my expenses on the iPhone notes app. When I downloaded Mint I couldn't believe how easy it was! I didn't have to manually write out my expenses anymore. Mint does everything for you and categorizes all the purchases you've made via your linked cards. I always recommend it to all my friends and family!

Pros: There are so many things I love about this app! For one, the interface is very user-friendly. You just connect your debit and credit cards and then Mint categorizes and keeps track of your bills and expenses. I love that you don't have to do anything. Mint does it all for you so it's perfect for anyone new to personal finance. I like how Mint shows you your daily, weekly, and monthly spending in a graph and list form. It makes it really easy to visually see your spending habits. I also like how Mint suggests different credit cards for you and shows you how much you can save and perks for each card. Whenever I'm shopping for a new credit card it's really easy to just scroll through the credit card list on Mint and quickly scan for the one that offers the best sign up bonus and perks.

Cons: Mint automatically categorizes your purchases so you can see how much you're spending in each category. For example, some of my main categories are clothing, shopping, gas & fuel, groceries, etc. Mint is pretty good at categorizing your purchases correctly but a few times a month Mint will wrongly categorize my purchases. Just last week a purchase that should have been "groceries" was actually categorized as "clothing". It's not a huge issue but it does make it necessary to manually scan through everything to make sure I'm getting accurate information on my spending habits.

Reasons for Switching to Mint: The Personal Capital app has more moving parts and is, therefore, more complicated. I prefer how clean and to the chase the Mint app is.