Personal finance software is tough. It’s costly to develop, even with a very limited feature set. Automatic transaction downloads are a must if you want widespread adoption and that has its own set of complications.

I still use Quicken – which doesn’t get anyone excited since it’s still a Windows (and Mac) desktop app built on an ancient codebase – but I’m a power user and have yet to find an adequate replacement. It’s not sexy but it does the job. I’m more the exception than the rule. The average user probably doesn’t need or care about the same features that I do.

Oddly enough, one of its redeeming qualities is that it runs quite well on Linux through Wine.