[kenferry]

I suppose feedback / question: I'm a Mint user, and it wasn't clear to me why I should consider switching to this? I'm potentially interested since I do care about this stuff.

Here's my reaction reading the faq:

// What makes Penny different from other apps? // Penny makes your finances less intimidating and stressful. Many apps have lots of useful features, but they’re often hard to use and time-consuming.

Would appreciate more specificity. I'm not intimidated by Mint, though manipulating it to tell me what I want to know is not always fun / easy / possible.

// Penny automatically organizes your finances, explains them simply and clearly, and tells you what you need to know, when you need to know it.

Mint automatically categorizes transactions too (is that what this means?). Mint also attempts to provide understandable / actionable information.

If Penny can do something that I care about much better than Mint, I'm interested, but this seems to be making an "overall polish" argument. That's a toughie, as new startups are generally not more polished, the attraction is usually something specific that is important and done better, even if there are rough edges.

[kenferry]

Actually, here's one way of putting it: the Mint developers would write this exact same marketing copy to describe their app. That means that as a user, I'm unable to tell how you differ. What would you say about Penny that Mint would not say about themselves?

[ryandrake]

My reading of the value prop is: Penny:Mint :: Mint:Quicken. It's to the left on the minimalist/simple -> detailed/advanced spectrum. If you appreciate or need the advanced features, you might not be in the target market.