Light version is limited to use. The program is very simple to use, you can delete records by pulling your finger to the left on the tables plus you can add new records by pressing the icon. Allows you to use different currencies. You can add new currencies if you wish. The application asks for access to your calendar. This permission will only be used to process the data you enter into this application into the calendar. The program keeps your data in the secure environment of your personal device. You can back up your data onto your personal iCloud account if you wish. If you make backups on iCloud, when you change your phone, you can easily continue to use the program without losing your information.