<prompt> Human: Am I missing the killer feature? It just seems like Im paying 5mo for a spreadsheet I could set up myself.  <response>: Youre not the first to think its just a spreadsheet. Go ahead and start building it yourself and decide when 5month is cheaper than your time.Also, try and buy the classic version for a one-time fee of 60. Then you break even after a year and only watch your costs decrease from there.ETA: Also as others have said, the method is the killer feature. Its not Mint. 