We are very disappointed in this product because it provides almost no options to customize the spreadsheet. We cannot rename catagories that are not applicable to us (i.e., child care), and we cannot create new categories that are specific to our needs. What's even more limiting and disppointing is that you cannot create a different tab for each month to use for comparison, which makes us wonder what value we gain from having a single month of finances captured. Finally, the bar graphs for summary comparisons are shaded the same color of the background which makes it very difficult to read.