Quicken Deluxe Review (2024)

Quicken is the oldest personal finance app available today. It’s had 30-plus years to add features, which can be both good and bad. While it’s the most capable and feature-rich personal finance app you can find, that depth can be intimidating, especially to people who aren't trying to micromanage their finances. Since last year, the software has added or enhanced several features, including the dashboard, transaction registers, reports, and investment tracking. While Quicken is among the very best personal finance apps you can find, Simplifi by Quicken is a better place for most people to start tracking their income and expenses, especially if they're doing it on a phone. For that reason, Simplifi is an Editors’ Choice winner. If Simplifi is too lightweight for you, though, we recommend Quicken without hesitation.

How Much Does Quicken Cost?

Quicken is very reasonably priced, considering its depth. Quicken Deluxe, which we reviewed, costs $59.88 per year (it's listed as $4.99 per month but you have to pay for a year upfront). The cost works out to be just $1 more per month than Simplifi. You can track all your accounts and your net worth, manage spending and savings, create budgets, track bills, do tax and general financial planning, download investment transactions, track your portfolio, and generate reports.

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Quicken Premier ($83.88 per year) and Quicken Home & Business ($119.88 per year) add more flexibility and functionality in all these areas.

Where Do You Start With Quicken?

Despite its relative depth, you get started with Quicken the same way you do with many other personal finance apps, like Mint—by logging in to your online bank accounts through the app. By the time you start using the app, you already have a lot of financial feedback waiting for you.

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Quicken’s developers have enhanced the dashboard since last year, improving the view of the data shown, such as net worth, top spending categories, and portfolio value. You can select which accounts to display and duplicate the dashboard widgets (sometimes called cards) to compare views from different periods. You can get information you might need quickly, such as account balances and bill-and-income reminders.

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(Credit: Quicken)

How Does Quicken Track Income and Expenses?

Quicken began its life as a simple tracker of money in and money out. The software has built up around that task to include many others, but income and expense management is still the core function.

When you log in, Quicken quickly answers on one page (in the mobile app) the top five questions you likely have about your money:

  • What are my account balances, particularly the account(s) I use for spending?

  • Do I have any bills due soon?

  • When will I get paid next?

  • Do I have any room left in my [category] budget?

  • What transactions have cleared recently?

Quicken answers these questions by displaying registers (that is, the line items of transactions from your connected financial accounts), charts, and lists. Transaction management, the heart of your spending records, is especially robust on the desktop version. But the mobile app’s registers contain the transaction data you likely need when you're away from your computer, including each line item's categorization.

The category list has options that are appropriate for personal income and spending, such as Entertainment, Gifts & Donations, and Health & Fitness, but also includes business categories that are important in reports and in preparing for income taxes. So, you might be able to run a very small business using Quicken.

Quicken Deluxe Review (12)

(Credit: Quicken)

Your income entries should come through with your other bank transaction line items in your registers. Quicken uses that information along with your scheduled bills to create a projected balance chart, which is something you don't typically see in today's personal finance apps.

Does Quicken Tell You Your Credit Score?

Quicken does provide credit score information from Equifax, but it’s only updated quarterly. For some people, that may be more than enough. However, you can get far more thorough credit score data and frequent updates from NerdWallet, WalletHub, and Credit Karma. Credit Karma even shows you your score from two bureaus instead of just one.

Can Quicken Help You Plan for the Future?

Quicken includes a whole suite of tools that help you plan financially, with budgeting features being the key ones. The software lets you create multiple budgets based on categories that you choose or that Quicken chooses for you based on your income and expense patterns. You can view your progress in an easy-to-understand graphical format and adjust your budget when needed. If you want to micromanage your budget, Quicken has a spreadsheet-like table.

Quicken Deluxe Review (13)

(Credit: Quicken)

While Quicken lets you go pretty deep here, it's easier to build and analyze budgets in Mint and Simplifi by Quicken. Those apps are more intuitive for budgeting, too.

Other features in this section help you reduce debt, make a lifetime financial plan, track and project income taxes, and establish savings goals. These interactive tools combine fill-in-the-blank fields with sophisticated calculators and reports. They then feed your responses back to you as graphs and tables. No other personal finance app I've tested offers such detailed planning tools overall.

Can You Track and Pay Bills With Quicken?

Quicken Deluxe offers two levels of bill management. Using Quicken Bill Manager, which is free, you can see each bill’s due date, amount due, and last payment made for the billers you’ve connected to online. If you pay bills offline, you can mark them as paid in Quicken and add other bills manually. Paying bills electronically through Quicken Deluxe costs an additional fee, starting at $9.95 per month.

Very few other personal finance apps include bill payment, and certainly none of the free apps do. You can record your bills in Mint, but not pay them through the app. Both Mint and Rocket Money have an optional feature where you ask the app to negotiate your bills for you and try to get your payments down, but I have not been able to test it.

How Good Is Quicken’s Investment Tracking?

Investment tracking tools are what set Quicken apart from the competition. Most of the investing tools are only available in the desktop version, though. Besides offering an extraordinarily customizable portfolio view, Quicken includes Morningstar’s lauded “X-Ray” analysis of your holdings and numerous other ways to evaluate the strength and possible future performance of your portfolio. You must have Quicken Premier or Home and Business to get X-Ray. It's not included with the Deluxe package.

New features since my last review include expanded customization for the Income by Security, Portfolio Value, and Transactions reports, as well as the ability to create a report of Restricted Stock Units (RSUs). The Quicken mobile app displays only a simple holdings page with quotes and a Watch List. You can now get real-time quotes (unique to Quicken), but you have to keep refreshing them manually. Support for new cryptocurrency types and cryptocurrency quotes allows users to track and update the value of the crypto holdings in their portfolios. You get all these features in the Deluxe version of Quicken except for real-time quotes. For that, you need Premier or Home & Business.

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(Credit: Quicken)

Can I Access My Quicken Data on the Web?

Quicken does offer a companion web page that you can access from any device that has an internet connection. The page includes the data you would most likely want to see when you are away from your computer, including your account balances, the current month’s budget, and how much you have left to spend. It shows a very simple investing summary and list of top movers, and your top spending categories for the current month. You can dig deeper in areas like bills and income.

New filters have been added to the spending report, and a new calendar view has links to transactions and projected balances. The web version of Quicken has more budget data than it did before, too. It's different enough from the mobile app that it’s worth exploring, but you really have to do it from a desktop or laptop, since the page is not optimized for mobile.

Customizable Reports in Quicken

Desktop Quicken is awash in customizable reports. If you want to do some deep digging into your finances, you should explore them. Every element of your finances is covered, including Spending, Tax, and Investing. None of the personal finance apps I've tested comes near to providing that kind of robust reporting.

What reports are available on the mobile app suffice for getting a quick look at your key numbers. There’s the Monthly Summary, Net Income and Net Worth, and Spending by Category, Payee, and Over Time. I’d like to see a budget vs. actuals report, too.

Is Quicken Safe to Use?

Quicken has been in the business of securing online financial data for three decades. Online components of the software use multi-factor authentication (MFA), and Quicken securely transmits data from your bank servers using robust 256-bit encryption. The information downloaded from your banks is confidential and used only to update your accounts.

You still need to be vigilant about keeping sensitive data safe on any financial app by, for example, never accessing your financial accounts on a public Wi-Fi network. You should also take steps on your own to protect yourself, like using a unique password generated and stored in a password manager, and not clicking suspicious links in email.

Should You Pay for Quicken?

Quicken was revolutionary when it first launched, sparking the field of personal finance apps. These days, we recommend Quicken for power users who want the most feature-rich, flexible personal finance management available. For everyone else, we recommend Simplifi by Quicken, our Editors' Choice winner. And if you're just getting started with personal finance, you may want to ease into it with an even more lightweight and free app, such as Rocket Money, NerdWallet, or Mint.

Quicken Deluxe


See It$46.79 Per Year at Quicken

Per Year, Starts at $59.88


  • Robust set of personal finance tools

  • Connected companion website available

  • Flexible, in-depth transaction tracking

  • Excellent set of customizable reports

  • Advanced investment tracking

View More


  • More desktop-dependent than most other personal finance apps

The Bottom Line

Quicken Deluxe includes more personal finance management tools than any competitor, making it a top choice for power users who want the most feature-rich software available.

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Quicken Deluxe Review (2024)


What happens if I don't renew Quicken Deluxe? ›

if your subscription expired before that new update, you won't be able to open your Quicken file. Not to worry, you can still 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.

Is Quicken being phased out? ›

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.

Do people still use Quicken? ›

key takeaways. While Quicken still dominates the financial software program universe, several alternatives exist. One rival is Mint, a read-only budget planner and spending tracker. Another rival, Personal Capital, offers investment management services.

Why Quicken over QuickBooks? ›

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.

Can I use Quicken without renewing subscription? ›

What happens when my Quicken membership expires? 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.

How many years 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 is a good program to replace Quicken? ›

10 Alternatives to Quicken for 2023
  • Empower — Overall Recommended Alternative. ...
  • Betterment — Investment Tracking Alternative. ...
  • YNAB — Budgeting Alternative. ...
  • Moneydance — Bill Paying Alternative. ...
  • PocketSmith — Retirement Planning Alternative. ...
  • CountAbout — Import/ Export transactions Alternative.
Feb 27, 2023

Should you start a new Quicken file every year? ›

It's better to leave all your data and history together in one file and it should not affect performance. Sometime in the future we guarantee you will want to see something and you won't be able to merge them back together. You can run reports for any time period.

How often should I start a new Quicken file? ›

  1. Create a new data file only when you want to keep accounts completely separate (for example, if you track a business and you want to keep personal and business data completely separate). ...
  2. Quicken can display up to 50 data files in one folder.
Mar 1, 2022

Can I upgrade from Quicken Deluxe to Premier? ›

You can upgrade at any time during your subscription term, but no more than once every 30 days. When you upgrade, the prorate for your original subscription value is added on as additional time to the new subscription. You can redeem an activation code in a retail copy to upgrade your subscription once every 30 days.

Can I use Excel instead of Quicken? ›

Quicken vs Money in Excel - Final Thoughts

Both Money in Exel and Quicken are good alternatives for managing and tracking your personal or business finances. Both have great performance and few disadvantages. If you're looking for professional services, then Quicken is your choice.

What is easier to use than Quicken? ›

Personal Capital is the best free Quicken alternative because it offers budgeting and wealth management tools. Many other tools offer one or the other, Personal Capital offers both so you can get it all in one place. And if you want, they also offer an advisory service to help you with your investments too.

Is Mint better than Quicken? ›

Mint is better for casual budgeters and day-to-day money management. Quicken is better for those with more advanced budgeting needs, including managing business finances and properties.

Is Quicken a good budget? ›

The bottom line: Simplifi by Quicken is a great budgeting tool if you want to create a detailed monthly spending and savings plan and don't mind paying for a subscription. However, if you are searching for free budgeting tools, you'll want to look at our best budgeting apps guide.

Is Quicken good for bookkeeping? ›

Quicken helps families and individuals track account balances, investments, budgeting, and other expenses. Though it is useful for small businesses, it is more limited; however, it costs less than QuickBooks.

Does Quicken have to be renewed every year? ›

Your Quicken membership is set to auto-renew when it expires, so you don't experience any disruption in your Quicken services. If you're signed up for auto-renew, you don't need to take any action; you will be notified of the auto-renewal, and your credit card on file will be charged on your expiration date.

How do I turn off auto renewal on Quicken? ›

How to cancel your Quicken membership
  1. Log into your Quicken account at Quicken.com.
  2. Select Subscriptions on the sidebar. A panel will display your subscription details, including the fee and when the subscription expires.
  3. Click Manage Subscription. ...
  4. Click Cancel Renewal. ...
  5. Click I'd still like to cancel.
Jan 4, 2023

How do I bypass Quicken registration? ›

To disable the registration prompt, launch Quicken, and go to the "Tools" menu. Hold down the Left Shift+Left Control keys and click "One Step Update". You will then see a notification that you won't be prompted to register again.

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