Accounts Xpress is a decent program that gives you a very detailed description of your accounts—this is our favorite feature.

Accounts Xpress doesn't offer a setup wizard to help you initially input your financial information. This is a real downfall for people who are not familiar with finance software.

After going through a rather difficult process of inputting all of your financial information, Accounts Xpress presents you with a circulation summary, list of transactions, list of sub-accounts, balance transition and monthly circulation.

You can easily see a grand total of all of your accounts with just the click of your mouse.

Another outstanding feature Accounts Xpress offers is the ability to create separate accounts in the budgeting section. You can create an account for your car payment, bank charges and anything else that costs money—up to 20 different items.

Accounts Xpress doesn't offer anything along the lines of financial planning, investing, managing stocks, retirement options or tax filing. Only the Gold and Silver products offer all of these features.

The bottom line—the average person is going to want a program that offers more features to help them with their finances; Accounts Xpress will take care of some of your basic financial needs but for $39.98 we would expect a much better product.