[qeorge]

How about: free users can track budgets for 1 person (themselves), and the data is stored locally. If they want to share it with several people for free, they can install it on the family tablet.

In the free version you could show ads, and then do an IAP to remove them forever (one time cost). You could skip ads if you wanted, but I would probably go ahead and put them in the free version.

You could then offer a companion service which syncs to "the cloud", allows sharing the budget between several people, and which requires a monthly subscription (sold through your website).

This segments nicely: young people with no cash get it free, and families who have more money are your paid users. Even better, you have a time-honored and very popular plan to eventually convert your free users to paid. :)

[IgorPartola]

Thanks. That's sort of the thing I've been leaning more towards after getting the feedback on here and elsewhere.