Quicken Online vs Desktop: Is Quicken Desktop or Online Best? (2024)

Personal finance management software programs usually make the life of freelancers and one-person businesses easy. Quicken is an excellent example of this sort of software, andtoday we’ll pit both versions against each other in our Quicken online vs desktop post.

While Intuit has gone on to build QuickBooks, one of the best business financial software on the market, Quicken has taken strides of its own. Quicken is a top choice amongst personal finance software and can handle some small business finance. But would you instead use its desktop version or its online version? Let’s find out!

What is the difference between Quicken online and Quicken desktop?

The main difference between Quicken Desktop and Quicken Online is that Quicken Online works via the Internet and allows you to access their personal finance manager from any device. In contrast, Quicken Desktop enables you to access the full suite from a single desktop where it’s installed.

Originally owned by Intuit, Quicken was purchased by H.I.G. in 2016 and acquired by Aquiline Capital Partners in 2021. Quicken software has grown considerably ever since, and it now has an online and a desktop version.

Quicken used to be one of the few options for manually recording personal finances on a spreadsheet. Personal financial software is available in a wide variety nowadays. However, Quicken remains a good option, especially because it can link to your bank and automatically update your accounts.

Quicken Online and Quicken Desktop are modules of the same software suite, but they differ slightly. If you’re interested in choosing between both, there are a couple of factors worth considering, which we’ll highlight as we go on in this Quicken online vs desktop contest.

If you don't know much about Quicken and are interested in a personal finance manager, then our Quicken review does justice to what you need to know about this software for your one-man business or personal money management.

Quicken online vs desktop comparison chart

Here is a quick chart with bullet comparisons of both Quicken online and Quicken desktop.


Quicken Online

Quicken Desktop




$4.99 per month

Quicken online

Free version



Quicken online

Customer support

Free Quicken phone and chat support

Free Quicken phone and chat support


Knowledgebase & Learning

Blog, community, and forums

Blog, community, and forums


Feature set

Limited to a few core features from the desktop app

More features than its online counterpart.

Quicken desktop

System Requirements

None works on Mac, Windows, Android, and iOS

Specific system requirements are based on the desktop version.

Quicken online.



Quicken desktop

Cash flow






Quicken desktop

Internet Connection


Not compulsory.

Quicken desktop

Goal tracking



Quicken desktop

Overall winner

Quicken desktop

Quicken online vs Quicken desktop pricing

Since Quicken is personal finance management, the pricing of each suite could sway your choice.

Quicken Online is free to use, with no additional cost. You need to log in on any device to access the basic features it presents.

Quicken desktop, on the other hand, has three main plans. They are:

  • Deluxe at $4.99 per month.
  • Premier at $ 6.99 per month.
  • Home and Business at $9.99 per month.

Quicken is currently running a 40% discount on its offerings.


Quicken Online takes this round. Because pricing is an essential part of the experience of using software that would be managing most of your financial transactions, having it at no cost at all really tilts the software in your favor.

Quicken desktop vs Quicken online free versions

Having a free version accessible to app users can lighten the weight of financial management as you learn to manage your finance process. It is easier to try your hands at the option with a free version.

Quicken desktop is more of a complete suite ensemble and gives users multiple features, including this comes at a cost. The various plans provide access to different product features. The price is quite negligible though, but if you are unwilling to jump right into using any of the available plans, Quicken Desktop has a 30-day free trial that gives you access to all the features you need to manage your financial transactions and test to help you decide what you want to go with.


While Quicken Desktop might have more features, free products often appeal more to users, which is why Quicken Online takes this category.

Customer support

Customer support is an essential part of any successful software. How do you receive help when you find problems with bill payment or any online banking process conducted through your financial management software? Customer support is supposed to provide the service you need, which is just one of the importance of a good customer support system.

It matters little what version of Quicken you are on; both Quicken desktop and its online version share the same type of customer support.

Quicken support gives you access to Free Quicken phone and chat support.


This category ends in a tie.

Knowledgebase & learning

So far, in our Quicken online vs desktop, we have found that both money management solutions share some important similarities, and this is one of those similarities.

Both Quicken online and the desktop version share the same knowledge base besides the ease of usage.

There is a general blog that covers information on how to use Quicken as a whole and a community forum that provides answers to questions on the software.

It's a tie once again.

Quicken desktop vs online features & functionality

We‘ve been able to view Quicken online and its desktop version from the lenses of its price, customer support, and knowledge base, amongst other core features. Now, we take a look at the features of both tools.

Quicken desktop or online for ease of use?

Both Quicken desktop and its online version offer their advantages for ease of use.

Quicken Desktop is a more secure software option, providing security for your account balances and general banking transactions. It helps recover your deleted data. It also has a short learning curve and can be used offline.

Quicken Online also has some great features that make it easy to use. This includes its accessibility and mobility, as you can use Quicken online on your Mac, Windows, Android, and iOS. You can receive notifications on your mobile devices via the app and enjoy the ease of use anywhere, everywhere.


A tie, primarily because ease of use varies from user to user.

System requirements

Are there system requirements for using Quicken in this Quicken desktop vs online comparison?

For the online version of Quicken, there are no system requirements. You can use it on any functioning browser, even if you are working on Mac operating systems. It does not support the Internet Explorer browser, though.

The Quicken Desktop solution, on the other hand, has some system requirements. For Windows users, you cannot use Windows Vista anymore as the minimum Windows version allowed is Windows 8. A minimum of 1 gig ram and 450 MB free disk space; 1.5 GB if .NET is not installed.

You have to check your screen resolution, as the minimum screen resolution required is 1024x768 or higher screen resolution, 1280x1024 minimum for Large Fonts settings. You will also need a high-speed internet connection as it’s necessary for the installation process. However, this doesn't preclude working offline for desktop users after installation.


Quicken online wins as it has lesser requirements and can be used anywhere at any time.

Banking and financial institutions

Many business management software offers integrations with financial institutions. While the list of accounting software that do so might be long, the same might not be the case for personal finance management solutions. This is one place Quicken Online shines as it includes financial institution accounts, giving users access to over 8,500 financial institutions. It also helps you to manage your paychecks at the primary level.

Quicken desktop does much more than giving users accounts with financial institutions. It gives tools to solve specific financial needs such as access to managing investment, rental property management, home, and business financial management, and banking transactions. Not only that, it comes with a great template.


Quicken desktop easily clears this category as Quicken online attends to the necessary needs for mobility while the desktop version offers a more robust banking and financial institution option.

Quicken updates

Which is easier to update between the online and desktop version of Quicken?

Quicken desktop is a bit more tedious to update than its online version as it involves downloading the latest version or its updates and reinstalling it, or buying the CD of the newer version.

Quicken online offers quick updates as its updates are online and are added in real-time.


Quicken online takes the win here.

Is Quicken desktop better than Quicken online? Our conclusion

If you have flown solo with regard to your spending, picking a good personal finance management app might just be your best decision yet to help you manage your finance processes and enhance thorough tax preparation.

Quicken is a personal finance solution that you can use offline via its desktop software and online through its online software. We’ve outlined key features and functionalities of both parts of the Quicken suite, and you have all you need to make the decision that best fits your business.

Quicken Online vs Desktop: Is Quicken Desktop or Online Best? (2024)


What is the difference between Quicken desktop and online? ›

The main difference between Quicken Desktop and Quicken Online is that Quicken Online works via the Internet and allows you to access their personal finance manager from any device. In contrast, Quicken Desktop enables you to access the full suite from a single desktop where it's installed.

Do I have to use Quicken online? ›

Quicken will remain a desktop program and your data will continue to be stored on your computer. Quicken has cloud services if you'd like to sync to and use the Quicken Mobile App or Quicken on the Web, but this is optional.

Is there a version of Quicken that is online? ›

You can access Quicken on the Web directly through app.quicken.com/login or go to Quicken.com > Sign In > Quicken on the Web. Remember to use your Quicken ID to sign in.

Is Quicken desktop still available? ›

Quicken Classic is available on desktop, with companion web & mobile apps.

Is it safe to use Quicken online? ›

Your data is encrypted and, depending on your financial institution's procedures, will be stored on our firewall-protected servers or in your Quicken software. Your financial information is transmitted using secure socket layer technology and is encrypted, so it is unreadable during transmission.

Does Quicken Online sync with desktop? ›

When you sync, you transfer your Quicken data to and from your mobile devices. Data moves in both directions—between your desktop and mobile device. Anywhere you have new data, Quicken figures out which device needs that data, and moves it where it needs to be.

Can I still buy Quicken without a subscription? ›

No. Quicken doesn't offer a perpetual license. I suppose that is because it is a consumer / retail program. You'll need to renew your subscription every year (although from time to time I believe that they offer subscriptions that may run longer than a year, but none are perpetual.

What are the different versions of Quicken? ›

  • Starter. Start organizing your finances today with Quicken Starter. Try risk-free for 30 days. ...
  • Deluxe. Manage all of your finances and investments with Quicken Deluxe. Try risk-free for 30 days. ...
  • Home & Business. Take control of your personal and business finances with Quicken Home & Business. Try risk-free for 30 days.

Can you have Quicken on two computers? ›

Yes, you can install Quicken on a 2nd computer and share the data file between them. But you will need to somehow also transfer the data file back and forth between their hard drives.

Does Quicken automatically sync with bank? ›

The Quicken Cloud automatically downloads the latest transactions from your banks. You'll always have the latest transactions on your mobile device or with Quicken on the Web.

Can you put Quicken on a laptop? ›

Yes, you can. You can install Quicken on multiple computers, as per our End User License Agreement. For more detailed information, please click here. How do I move my data file to another computer?

Can I use Quicken for free? ›

Quicken is currently offered as a subscription-only product starting at $10.99 per month.

How much does Quicken desktop cost? ›

Quicken Classic subscription pricing will be updated in 2024. Starter: $47.88/year - an increase of $6. Deluxe: $71.88/year - an increase of $12. Premier: $95.88/year - an increase of $12.

Why is Quicken desktop so slow? ›

Ensure your Quicken file is not saved in a compressed drive. We have observed performance issues (such as slowness) when Quicken files are saved on a compressed drive. Check if other programs are running slowly. This could indicate an issue with your system instead of Quicken.

How many people still use Quicken? ›

#1 best-selling with 20+ million customers over 4 decades.

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.
Dec 21, 2023

Can you have two versions of Quicken on the same computer? ›

No, there can only be 1 Quicken installation. The Quicken software is the same for all versions. It's the Quicken ID that determines what version you're subscribed to.

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