I know there have been other threads like this, but I think I'm looking for something specific enough to warrant a new thread. I'm in the market for personal finance software. I used Mint.com for a while and demo'd Moneydance and iBank, but none of them have really done what I want them to. All of them seem a little full-featured to me (I don't have tons of investments and I'm not managing a small business or anything), and they lacked the flexibility in budgeting that I desire. My ideal software would have the following features: 1. Bank direct connect: automatically connects with my bank and downloads transactions. 2. Smart categorization: intelligently categorizes expenses based on history. 3. iOS app (self explanatory) 4. Tags-based budgeting: this one will take a little more explaining. The way I manage my budget categorizes expenses based on function more than source. For example, I might have a category for small discretionary expenses. At the end of the month, I want to be able to see how much of that was spent on coffee or movies or etc, but I want all of those things to occupy a similar space in my budget. In other words, I want my budget to be grouped by tags, but to maintain categories for analysis. Anybody know of any software that meets that profile?