Mitch here, one of the co-founders.<p>I don&#x27;t want to throw Mint under the bus: I used it for ~6 years before starting to work on Penny and it&#x27;s a great tool for people that enjoy spreadsheets and crunching numbers (myself included). That said, it can be pretty intimidating to just to about everyone else. Penny requires a lot less effort on your part, since the number crunching is all done behind the scenes to generate cool insights.<p>To answer the specific question of why _you_ might switch: Mint hasn&#x27;t really improved beyond the addition of more ads in the past four to five years. It&#x27;s painfully slow (at least for me) and still has not learned that my gym membership is not software.