Multiple incomes, bills throughout the month, etc....
It works well for us; 11 accounts holding money, about 45 recurring payments (some monthly, some annually) and multiple incomes. The paid version is much better for tracking complex finances like ours, since it allows multiple accounts. If you’re also tracking investments this may not meet that particular need, but for regular budgeting it’s been great.
I find that for the vast ability the paid very gives me to track my money- in all it’s ins and outs- has been worth it. Without this app, I would have certainly wasted $45 on something that wasn’t my priority because I wasn’t tracking it. We are both entering transactions as we make them (mostly:)) and know how much we have to spend or save on anything at a glance.
I agree with the others, the paid version adds a ton of benefits ff you are serious about managing your personal finances. On the bright side, it is only a small amount and you can try it for a few months without significant expense. I have found that the money I have saved by getting control of my finances has more than paid for the service. Goodbudget is also the most flexible app I have found that employs good accounting principles, but also allows me flexibility to manage my money my way.