I wanted an app to do budgeting, expense recoding, and budget tracking with my iPhone, including cash expenditures, since I can quickly enter even on the go. The standard budgeting apps want you to create an account and connect to your bank, at least at the time that I bought this app which was several years back. Since I didn’t want to do that, I looked for other options and found this app. It really wasn’t created for for budgeting, but rather for travel expense tracking, so I’m not quibbling over some minor shortcomings. It has capabilities to create new categories and that’s how I got it to work for my purposes. I especially like the ability to create a CSV file at the end of the year. This app has been worth the money. I don’t claim that I was exhaustive in my app searching, just that this app worked for what I wanted. It’s great that you can buy it as a one time purchase (at least when I did). Definitely recommend.