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BentMike - I've been using Mint (mint.com) for the past 5+ years. They've improved a lot, are pretty good at incorporating customer feedback, includes a monthly credit check (soft check, no impact to your credit) and it's free.

My only complain (and from many others) is that when budgeting income, it does not allow/have flexibility to incorporate the two months a year where you get three pay checks. Clearly, this only impacts those that get paid bi-weekly. I've been able to work around this but still would be nice if it could be done directly in the app.

Overall, I'm pretty satisfied with it. My wife? Not so much... :-)
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