Because the input variables are so different depending on your personal circumstances. Depending on how clever you accountant/tax professional is, you could be

Because the input variables are so different depending on your personal circumstances. Depending on how clever you accountant/tax professional is, you could be paying a very different amount in taxes/interest. I might have misunderstood your question, as you didn't say which apps and how they suck. Then you start talking about UI and I get lost.