Ive only had this app for a couple of weeks, so if anything changes, Ill update the review. I love this app so far. I dont really have any use for the syncing function, so I have yet to use it & most likely, I never will. It acts just like an electronic checkbook, plus it allows me to create budgets, so I can keep track of my spending habits as I go along. You can split payments, create your own categories (& subcategories), and multiple accounts. Its simple, & thats all I needed. You can manually put in your transactions, instead of having it linked to your personal bank account info. I dont know why it was so hard for me to find an app with like this one; most financial apps were just a total miss for me. The only thing I would suggest--having the ability to choose from icons within the app instead of on your camera roll.