• Track where the money is going
• Catch bank errors or credit card fraud
• Track assets for insurance purposes
• Support financial goals

• Open database format, preferably SQLite
• fully web-based UI
• Double-entry book-keeping under the hood (even if this is not necessarily reflected in the UI), using the data model recommended at: ¤http://homepages.tcp.co.uk/~m-wigley/gc_wp_ded.html
• support for multiple currencies
• efficient data entry, with auto-completion as much as possible
• smooth and efficient reconcilation with statements
• use BCD math internally, or floating-point with guard digits, well-defined rounding rules
• use tagging rather than rigid hierarchies
• Use inspiration from ¤Wesabe
• Ajax-y goodness
• manage assets, including photos thereof for insurance purposes
• ability to attach scanned PDF invoices to a transaction
• one-click handling of common transactions, e.g. ATM withdrawals
• ability to email transactions for recording in shorthand, e.g. "walgreens $5.10 yesterday"

• Possible inspirations for UI:
  • ¤http://37signals.com/better/bank/
  • ¤http://outright.com/
  • ¤http://www.mint.com/
• ¤http://www.jqplot.com/index.php