I really love it, been using it for about 2 months, came from YNAB, used that for probably 3-5 years. Although I wish it was a little more mobile friendly, it works on mobile well enuf for me to record my daily transactions and then I just use a desktop once a week when I do all my bill payments and budget catch up.

I really like the reporting options, and also it has some mass note append/prepend/replace functionality which works great for me hashtagging the expenses I have addressed, confirmed and moved around to various accounts.

I do wish it had flagging, I really loved the colored flags, but I’m using the hashtagging as a replacement and it works pretty well.

Yes, direct file is guided with a checklist. However there are only certain situations where a taxpayer would qualify for direct file - there’s income limitations and only certain income types qualify (u would not be able to use it if u are self-employed or own rental properties for example). The IRS is planning to expand this but for now it’s limited tho the vast majority of taxpayers would qualify.

Anyone can use the free fillable forms but u either have to know what you’re doing or be comfortable reading irs form instructions if you have a more complex tax situation.