Checkbook and Checkbook pro from Splasm are by far easier so use and are extremely more powerful than Flowing Pennies for the same price, give a $3 or $4. Enjoy MULTIPLE ACCOUNTS. Flowing Pennies looks nice but when you start to use it, I find it to be a mess especially when trying to "sum uo" transaction and put them aside. My .002 after using both...bought checkbook pro. I also own a different clarkwood product though, peek-a-boo, so it's the not that the company is incapable of making a decent ledger, they just haven't put as much time in my opinion in to making it as Splasm.com put into making their checkbook/checkbook pro apps.