I used the free online version for a few days and decided I didn't want to chance NOT being able to access it if the internet goes down. So, I bought it. Well worth $20. (that is less than a good book costs these days) This version has a lot more options than the free online one does. I am still learning new things about it all the time. I know that the lifestyle I have now I needed to have this to help me be accountable to me. Yep, I am worth it.