Some people are concerned about using the Internet to hold and manage financial data. Over the years, the security of these services has been proven. For others, there is a trade-off of not having the full range of options or control offered by purchased programs.
It’s almost fun to use these programs. You’re just relegated to imputing data; the programs do the rest. One caveat – make sure you set up your accounts correctly. You may want your CPA to guide you with this, as you don’t want to enter your data in the wrong accounts.