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Thanks! That's exactly what I was wondering about. I'm signing up for the trial right now.I've used it and yes it is. You create a budget then put your income into your budget categories each month. I did it with my checking account but they aren't linked like Mint is. You upload your exports. It doesn't matter if you get regular paychecks or daily transfers from ATM. You are just moving each transaction to the right budget category. The budgets can be changed whenever you want. I recommend it. Although I don't use it all the time now it helped me figure out my monthly budget.