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Is there any personal finance software that's actually useful?

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Mint kinda sucks. Every month, I end up playing the "recategorize the incorrectly guessed transactions" game when the monthly budgets come out all wrong.

Every three months, I get to play the "update the changed bank account password" game with them as well.

That sounds like very little work to do for what the software is offering you, for free.
 
I don't understand the benefit of personal finance software?

Seems like a lot of work to slice everything up into categories.
 
Quicken should fit your needs. Don't blame the program, look at the user.
Although I agree Quicken isn't fundamentally broken, it's not impressive software either.

I don't need online transactions so I still use Quicken 2009. To me, it's not much unlike the previous version I used which was 2001. With almost no competition, of course Intuit doesn't "need" to do anything with their product. But read any year's customer reviews of Quicken on Amazon.com: it never gets better. People pay up just to download transactions.

You would think that over 15 years, at least occasionally there would be tangible improvements.
 
I used Excel for quite some time. Recently use YNAB. I like something something. I would never use Mint. Giving a third party all my financial l/p's? Even if it wasn't against TOS for the institutions, it just makes me feel .. ick.
 
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