12 Best Quicken Alternatives for 2023 (#1 is Free) – RobBerger.com (2024)

Quicken was once the go-to budgeting tool. I used it when it was first released in the 1980s. Today, it's been eclipsed by apps that enable you to manage every aspect of your finances, often for free. Here are the best Quicken alternatives to consider as near 2023.

12 Best Quicken Alternatives for 2023 (#1 is Free) – RobBerger.com (1)

Editor's Top Picks

Of all the options out there to replace Quicken (and Mint for that matter), three stand out among the rest:

1. Personal Capital–Now Called the Empower Personal Dashboard (Empower bought Personal Capital 2020), it's still free and comes with the a robust set of features unmatched by other alternatives. It easily handles budgeting, net worth, cash flow, retirement investments and taxable investments. It also comes with excellent tools, including a retirement calculator, investment fee analyzer and investment portfolio analyzer. Personal Capital can now even track Bitcoin, Ethereum, Litecoin and thousands of other tokens. It's the tool I use every day.

Try Personal Capital

2. Tiller–If you are a diehard spreadsheet fanatic, Tiller is the answer. It integrates with Google Sheets and can connect your bank accounts and credit cards. It also offers daily email updates to track your spending. You can try it free for 30 days, then it's $79 a year. I've used it for the past two years and love it.

Try Tiller Money

YNAB (You Need a Budget): For those who want to focus exclusively on budgeting (no investments), then YNAB is an ideal choice. It does budgeting as well as any app available today, and its community is second to none. While I no longer use YNAB, I did for years and found it to be an effective budgeting tool.


Quicken Alternatives

  • 1. Personal Capital (Empower)–Editor's Choice
  • 2. Tiller Money–Best Spreadsheet Budget Tool
  • 3. Monarch Money–Best for Couples
  • 4. You Need a Budget (YNAB)–Best for Basic Budgeting
  • 5. PocketSmith–Best for Calendar Budgeting
  • 6. CountAbout–Imports from Quicken or Mint
  • 7. Moneydance–Traditional Budgeting Software
  • 8. EveryDollar (now Ramsey+)–Best for Dave Ramsey Fans
  • 9. Banktivity–Designed for Macs Only
  • 10. GnuCash–Best for Small Businesses
  • 11. Mint–Best Mobile App
  • 12. GoodBudget–Best for Envelope Budgeting

Top Quicken Alternatives

1. Personal Capital (Empower)–Editor's Choice

Empower is the clear winner when it comes to finding a substitute for Quicken. It's free and it offers tools to manage every aspect of your finances. With Empower, you can link just about every financial account you have–checking, savings, credit cards, retirement accounts, investments accounts, HSAs, and even your home (via Zillow).

Once linked, Empower's financial dashboard offers valuable insights into your finances. As an example, the tool enables you to–

  • Track your spending by category
  • Estimate when you can retire
  • Calculate the cost of your investments
  • View the asset allocation of your portfolio
  • Generate a net worth statement
  • Get alerts when bills are due
  • Evaluate your investment portfolio
  • Save for emergencies
  • Track Bitcoin, Ethereum, Litecoin and thousands of other tokens without giving access to your crypto wallet.

I've used Empower for years. It's the only option that in my opinion can handle every aspect of my finances, from budgeting to investing to retirement planning.

Try Personal Capital (Empower)

I've written a detailed review and guide of Personal Capital that you can check out.

2. Tiller Money–Best Spreadsheet Budget Tool

I don't know how they do it, but Tiller Money has figured out how to turn a Google Sheet into a dynamic budgeting tool. You link your bank accounts and credit cards to Tiller's Google Sheet tool, and it automatically downloads all of your transactions. From there you can create budgets, categorize spending and generate reports.

I've been using Tiller for about two years for both my personal budget and my small business budget. Tiller is ideal for those who love working with spreadsheets. I will caution you that setting up Tiller can be a bit daunting. The good news is that they have videos to walk you through each step. If I can do it, you can do it.

One thing to keep in mind is that you must manually categorize each transaction. For some, this is a show-stopper. They want the convenience of tools like Personal Capital that automate this process. For others, they would prefer to categorize transactions themselves. It forces them to look at each entry, understand how they spent money, and then properly categorize the expense. Tiller does offer an auto-category tool that you can use to automatically categorize transactions based on the description.

With Tiller, you can also have your transactions downloaded to an Excel spreadsheet. This is an ideal approach for those who don't want to keep their financial data in the cloud.

There is no right or wrong here. It comes down to preference. You get a 30-day free trial. After that Tiller costs $79 a year.

3. Monarch Money–Best for Couples

Monarch Money shares many of the features in the apps listed above. You can connect all your accounts, including investment and loan accounts. Once connected, Monarch syncs your accounts to generate your net worth. The app enables you to see all your transactions in one place, set financial goals, and customize your financial dashboard.

Monarch is ideal for couples because of its collaboration features. Invite someone to your Monarch account with a separate login. They can view your data and connect their own accounts. This feature is particularly useful for couples that keep separate accounts, but want to understand their combined financial picture.

Try Monarch Money for free for 7 days, then as little as $7.50 a month.

4. You Need a Budget (YNAB)–Best for Basic Budgeting

YNAB is ideal for those looking just for a budgeting tool. In my view, there is no better app when it comes to creating a budget. YNAB's interface is similar to a spreadsheet. The tool makes it easy to budget by category based on the money you actually have in the bank.

12 Best Quicken Alternatives for 2023 (#1 is Free) – RobBerger.com (5)

One of YNAB's core principles is to give every dollar a job. You do that by deciding how you'll spend every dollar that enters your checking account. As with other tools, you can connect your bank accounts and credit cards to YNAB. This allows for real-time updates so that you can track your spending throughout the month.

YNAB doesn't have the rich feature set offered by Personal Capital. That's particularly clear when it comes to investing. For those who don't want to track investments, however, YNAB is a good option.

It's not free, however. You can try it free for 34 days. After that it costs $14.99 a month or $99 a year for the annual plan. The cost is the biggest downside to YNAB.

5. PocketSmith–Best for Calendar Budgeting

PocketSmith started out as a calendar to plan upcoming income and expenses. Today, it's a full-fledged budgeting app. You can synch your accounts with PocketSmith. Once synced, you can track your budget and you're net worth. You can also see your income and spending in a handy calendar view.

12 Best Quicken Alternatives for 2023 (#1 is Free) – RobBerger.com (6)

One stand-out feature is PocketSmith's auto-budget tool. It can create a budget for you based on past spending. It also has a cash flow feature that maps income and spending by date range.

While there is a free version of PocketSmith, it requires manual data entry. To get automatic bank fees, you'll need to pay at least $9.95 a month, or $7.50 a month when paid annually.

6. CountAbout–Imports from Quicken or Mint

If you have a lot of data in Quicken (or Mint), CountAbout may be the budgeting tool for you. It has a feature enabling you to import data from Quicken or Mint.

12 Best Quicken Alternatives for 2023 (#1 is Free) – RobBerger.com (7)

CountAbout enables you to download transactions from your bank and customize both income and expense categories. You can even attach receipt images to expense transactions. You can set up recurring transactions and generate financial reports.

For the features you get, the cost is very reasonable. The basic plan costs just $9.99 a year (not a month). If you want automatic downloading of bank transactions, the cost is $39.99 a year.

7. Moneydance–Traditional Budgeting Software

With so many apps going online, Moneydance takes a different approach. You download Moneydance software rather than use it online. Once downloaded, the software works much like you would expect.

You can download banking transactions into the software and initiate bill pay. The software automatically categorizes expenses based on how you categorize them. In other words, it learns from your use of the program.

12 Best Quicken Alternatives for 2023 (#1 is Free) – RobBerger.com (8)

It offers a dashboard (shown above) that summarizes your finances all in one place. It can also generate reports and graphs to give you a visual perspective of your money. It comes with a mobile app, can track your finances, and can alert you when bills are due.

It costs $49.99 and is available for both Mac and Windows.

8. EveryDollar (now Ramsey+)–Best for Dave Ramsey Fans

For those Dave Ramsey founds out there, EveryDollar may be a good substitute for Intuit's Quicken. Now the first thing to point out is that EveryDollar ain't cheap. After a 14-day trial, you'll pay $99.99 a year (down from $129.99). If you want to pay month-to-month, the cost is $12,99 per month. For this reason, it's not high on my list. Still, I know that some folks are passionate about Financial Peace University.

You can sync your bank accounts with the tool, set up budgets, and track spending. The budgeting app works on both computers, smartphones and tablets. It also comes with Dave's educational materials, enabling you to take online course and join virtual groups.

9. Banktivity–Designed for Macs Only

Banktivity is the budgeting app specifically designed for Macs. It offers features that enable you to organize and track all of your finances. You can group accounts and reports, and organize the dashboard in a way that works best for you.

12 Best Quicken Alternatives for 2023 (#1 is Free) – RobBerger.com (9)

Banktivity enables you to follow an envelope budget. This can be ideal for those living paycheck-to-paycheck.

You can import transactions from your bank and sync data across all of your Mac devices. Banktivity also tracks investments and offers account-level reporting. You can try Banktivity for free for 30 days. After that they offer three plans ranging in price from $4.16 to $8.33 a month (billed annually).

10. GnuCash–Best for Small Businesses

For those who tracked business income and expenses with Quicken and a reluctant to move up to Quickbooks, GnuCash may be the answer. It uses double-entry accounting, ideal for businesses and accounting nerds, like me. It tracks investments, schedules transactions, and generates reports and graphs.

12 Best Quicken Alternatives for 2023 (#1 is Free) – RobBerger.com (10)

11. Mint–Best Mobile App

I used Mint when it first came out more than a decade ago. Today, many are looking for Mint alternatives, including several of the apps listed here. Still, Mint is a worth consideration if you are replacing Intuit's Quicken. It's free, for starters. It's easy to link your accounts and track your spending. It includes a budget planner and credit score tracker. Of course, there are great Mint alternatives as well.

12 Best Quicken Alternatives for 2023 (#1 is Free) – RobBerger.com (11)

12. GoodBudget–Best for Envelope Budgeting

I'm old enough to remember the envelope method of budgeting. My mom used it. When the money in the grocery envelope ran out, we stopped going to the grocery story until payday (seriously). Today, the envelope budget is still a smart way to manage money for those living paycheck-to-paycheck. If you want a digital version of the time-tested budgeting system, give GoodBudget a try.

12 Best Quicken Alternatives for 2023 (#1 is Free) – RobBerger.com (12)

Goodudget is an app based on the envelope system. You can sync and share your budget, and set goals to save for big purchases. It also has tools that let you track and payoff your debt.

Quicken Alternatives FAQs

What is the best free alternative to Quicken?

Personal Capital (Empower) is the best free Quicken replacement. It comes with nearly every feature Quicken offers, and money additional tools. It's particularly well suited for those who want to manage all of their money in one place, including investments.

Is Quicken available without a subscription?

Sadly, no. Like so many other software packages and apps, Quicken is now only available as a subscription. As a result, you must pay for Quicken every year.

What is the best option to migrate Quicken data to new app?

If you want to migrate Quicken data to a new budgeting app, CountAbout is a solid option. It has features enabling users to migrate data from Quicken or Mint.

What is the best Quicken replacement for calendar budgeting?

PocketSmith is a good choice as it offers a calendar view of your budget.

Which Quicken alternatives allow you to schedule bill payments?

With both Tiller Money and YNAB, you can plan future bill payments. Tiller offers a Bill Payment Tracker template and YNAB enables you to allocate funds to bills you plan to pay in the future.

What is the best free alternative to Quicken?

There are only a few free alternatives to Quicken. The best in my view is Personal Capital (Empower), as noted above. Its combination of features, ease of use, and user interface make it my top pick.

Whatever tool you choose, the key is to pick one that works for you. For me, that's Personal Capital (Empower). One or more of the above Quicken alternatives, however, should suit the needs of most looking to better manage their money.

Rob Berger

Website| + posts

Rob Berger is a former securities lawyer and founding editor of Forbes Money Advisor. He is the author of Retire Before Mom and Dad and the personality behind the Financial Freedom Show.

12 Best Quicken Alternatives for 2023 (#1 is Free) – RobBerger.com (2024)


12 Best Quicken Alternatives for 2023 (#1 is Free) – RobBerger.com? ›

Is Quicken available without a subscription? Sadly, no. Like so many other software packages and apps, Quicken is now only available as a subscription. As a result, you must pay for Quicken every year.

Is there a free version of Quicken? ›

Is Quicken available without a subscription? Sadly, no. Like so many other software packages and apps, Quicken is now only available as a subscription. As a result, you must pay for Quicken every year.

Is Quicken going to be discontinued? ›

A lot has changed with Quicken—for better or for worse—but there's no current plan to permanently close its services. While some versions and functionalities have been discontinued, Quicken is still releasing new features and tools. Once a product expires, it's discontinued and no longer receives support.

What is the alternative to Quicken in Excel? ›

Tiller Money is the Quicken alternative if you're a spreadsheet junkie. Tiller takes personal finance, budgeting, and investment tracking, and helps you put it into a spreadsheet, and keep it updated.

What is the least expensive Quicken? ›

Quicken Pricing
  • Simplifi by Quicken: $3.99 per month, billed annually.
  • Quicken Deluxe: $4.99 per month, billed annually.
  • Quicken Premier: $6.99 per month, billed annually.
  • Quicken Home & Business (Windows Only): $9.99 per month, billed annually.
Mar 31, 2023

Do I have to upgrade Quicken every year? ›

At the end of the membership period, membership will automatically renew every year and you will be charged the then-current price (prices subject to change). You may cancel before renewal date. For full details, consult the Quicken Membership Agreement. You can manage your subscription at your My Account page.

What is the yearly cost of Quicken? ›

How Quicken Stacks Up
Starting Price$28.68 per year$200 per year
Free Trial30 days15 days
Expense TrackingX
7 more rows

How many years of data should you keep in Quicken? ›

For most people, it is best to keep only a year to two years of data in the current file, so that Quicken can work with the data quickly and efficiently.

What happens when Quicken subscription ends? ›

The Quicken Data Access Guarantee means that whether you renew your subscription or not, you'll always have full access to and ownership of your data. You can view, edit, export, and manually enter transactions and accounts, even after your subscription ends.

What is Quicken called now? ›

QuickBooks and Quicken are two of the most widely used financial management tools in the world. Both programs were part of Intuit (INTU), but Quicken was sold to H.I.G. Capital in 2016.

Can Mint replace Quicken? ›

With Mint, you can track expenses, set bill reminders, create a budget, track investments, and set savings goals. You can even check your credit score for free. Quicken offers the same features but also offers a debt reduction planner, reporting, and other features to help you get your finances in order.

Can QuickBooks replace Quicken? ›

Quicken is designed for personal finance while QuickBooks is geared toward small businesses. Both programs can track income and expenses, create budgets and generate reports. However, there are some key differences between the two. Quicken is less expensive and easier to use than QuickBooks.

What is the best way to move Quicken from one computer to another? ›

Moving a file once
  1. Step 1: Install Quicken on your new computer. Install Quicken on the new computer. ...
  2. Step 2: Put a copy of your Quicken file on an external disk. On your old computer, open Quicken and select File > Copy or Backup File. ...
  3. Step 3: Restore your Quicken file on the new computer.
Apr 24, 2023

Which is better Simplifi vs Quicken? ›

Simplifi does not offer any business or rental property tracking abilities. With Quicken Home, Business & Rental Property, you can track your rental property income and expenses, create invoices for your business, and much more.

Is Quicken 13 free? ›

UPDATE: Quicken 2013 Deluxe for Windows is now available for free as well! More info: How and When to Use an Intermediate Version To Convert Older Versions of Quicken.

Why is new Quicken so slow? ›

If Quicken runs slowly when backing up or closing

If Quicken runs slowly when backing up your data file or when closing the program, you may need to make a copy of your data file without attachments. To do this: Choose File menu > Copy or Backup File. Select Create a copy or template and click Next.

What is the cost of Quicken renewal? ›

My Quicken Premier membership is set to renew in a few days, and I just noticed the annual cost has increased to $83.88.

Do I need Quicken Starter or Deluxe? ›

Quicken Starter is best if you just want to connect to your financial accounts and track income and expenses, monthly budgets, bills, reports, calendars, and alerts. The version we tested, Quicken Deluxe, also tracks loans, investments, and retirement accounts.

How do I reinstall Quicken after my subscription expires? ›

Find your Membership expiration date (you can see this by signing into My Account and going to the Subscriptions section).
  1. Go to quicken.com/download to download and install Quicken for Windows.
  2. From the list below, download the patch that was released before your expiration date.

What happens after 1 year with Quicken? ›

After your Quicken Membership expires, you will no longer receive updates to the Quicken application. However, you may continue to use the version of Quicken you had at the time your Membership expired to open your data files and, for Quicken Deluxe and above, continue to use Quicken in a manual mode.

Does Quicken expire? ›

You can continue to use Quicken (see the Data Access Guarantee), but you will need to renew your subscription to restore access to online services and clear the expiration banners. You can click Renew or Update Now to renew your Quicken Subscription and clear the expiration banners.

Is Quicken any good anymore? ›

What is this? If you're looking for personal finance software that can help you track your spending, save money, and manage your investments, Quicken is a great option. Overall, Quicken is a great program for personal finance that can help you keep track of your budget, bills, and investments.

How big is too big for Quicken file? ›

Dollar amount - A Quicken file cannot have an entry that is larger than 99,999,999.99. This includes number of positions (shares) as well as amount of dollars.

Should I archive my Quicken data? ›

Quicken doesn't require that you archive or close out your data file at the end of the year. In fact, not archiving your data at the end of the year lets you run comparison reports on income and expenses from previous years. However, if you want to start the new year with a new data file, use Create a new year file.

Can I use an old version of Quicken? ›

All Quicken software allows for manual entry of transactions and security prices, regardless of the year it was released.

Can you close out a year on Quicken? ›

To create a year-end archive:

Open the file you want to copy. Choose File menu → Copy or Backup File. On the Backup or Copy File screen, under Advanced Options, select Create a year-end archive.

What happens if I downgrade Quicken? ›

Downgrading your subscription will lower your subscription tier and leave only the features available in that lower tier.

Can you buy stand alone Quicken? ›

Upgrading Your Plan

You can upgrade from any Quicken plan to any other except for Simplifi by Quicken, which is a standalone product.

What is the Quicken controversy? ›

The dispute involves a potential payment of $9.7 million stemming from allegedly tainted appraisals for 2,769 mortgage loans Quicken Loans originated from 2004 to 2009. Its affiliate appraisal company, Title Source, now Amrock, provided the appraisals, court records show.

What programs compete with Quicken? ›

The Full List of Quicken Alternatives: Personal Capital – free financial dashboard and wealth planner. Tiller Money – spreadsheet automation for full customization. Vyzer – sophisticated asset tracking for higher net worth.

Why did Quicken stop working? ›

The anti-virus and/or firewall on your system could be blocking Quicken from running properly. They will need to be disabled or have the settings updated to include Quicken as a safe program. If you do not know how to update these settings, please contact your anti-virus/firewall provider.

Is Mint Intuit free? ›

Mint is available in both a free and paid version. The paid version is called Mint Premium and costs $4.99 a month. It's currently only available for iOS users.

Is Mint still owned by Intuit? ›

It has been around since 2007, and it's available on both the web and as a mobile app for iOS and Android. Mint is owned by Intuit, the company that also owns the QuickBooks accounting software and the tax preparation software TurboTax software.

Is Quicken a subscription only? ›

A: You will be able to install the program on both Windows and Mac. There is not a limit on h… Q: Do i have to buy this every year? A: Yes, all Quicken products are an annual subscription.

What is the difference between mint and Quicken? ›

Mint is a cloud-based web platform and mobile app (download: Apple, Google Play). Your accounts are automatically synced between the web and mobile app. This makes it easier to manage your finances in real time. On the other hand, Quicken is a desktop software that you need to purchase and install on your computer.

Can I use Quicken on the Web only? ›

You can access Quicken on the Web directly through app.quicken.com/login or go to Quicken.com > Sign In > Quicken on the Web.

How do I use Quicken without online banking? ›

Select the Offline Account tab.
  1. Select which type of account you'd like to create.
  2. Name your account and select the type of transactions the account will be used for, then click Next. If you have multicurrency support enabled, you can also change the currency on this screen.
Jul 21, 2022

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