when we started using it a year or so ago, but not enough to mess with it, but now the difference in interest and such is starting to make HUNDREDS of dollars of difference, and that is not a good thing. Luckily in our instance it is hundreds high on one account, but hundreds low on the two mortgages (a baaad thing) As soon as dh finishes tinkering with my business computer I put him to work on this, because I want accuracy. Nothing like thinking you’ll be paying a debt off and discover that you still owe 4-5 hundred more than the snowball shows. Luckily I am constantly watching my numbers. In this instance I knew there were differences, but hadn’t really calculated them up. Now that I have I want it fixed.