Are you ready to replace Quicken? We’ve got you covered.
Quicken was once the best money management tool on the market. Heck, it was practically the only tool on the market. Now? Not so much.
Over the last few years, little has been done to improve Quicken’s features. In fact, Intuit (famous for programs like Quickbooks and TurboTax) actually sold off their ownership rights to Quicken back in 2016. Since then, rumors have swirled that Quicken will actually shut down its program for good.
Luckily, Quicken is not your only choice for personal finance software. These days, you have plenty of options to manage your money. Even better, some of the best Quicken alternatives are actually free!
So, if you’re looking for a new money management program, you’re in the right place. Check out our list of the top alternatives to Quicken below.
Table of Contents
- Our Top Picks
- 18 Best Alternatives to Quicken
- Quicken Alternatives: Final Thoughts
Our Top Picks
Personal Capital [Editor’s Choice] – Personal Capital is our top choice for Quicken alternatives. This free software automatically tracks your savings, spending, investments, net worth, and more. It’s easy to use and the free price tag makes it an excellent replacement for Quicken. We’ve used it for years and think you’ll love it too! Read the review | Learn more
Tiller Money [Best for Budgeting] – If you’re looking for a budgeting tool that also runs some basic financial reports, Tiller Money is it. This program takes spreadsheet budgeting to the next level by helping you create a monthly budget and automatically tracking your results. When it comes to tax prep, Tiller can also run detailed reports on itemized deductions, your annual spend by category, and more. Start with one of their templates, customize it to meet your needs, or build your own. Get it free for the first month, then it’s only about $7 a month. Read the review | Learn more
18 Best Alternatives to Quicken
Without further ado, here is our list of the best replacements for Quicken in 2020!
1. Personal Capital
Personal Capital is our favorite free Quicken replacement. We’ve used it for years and continue to be amazed by this powerful program.
What’s so great about Personal Capital? For starters, it’s free. Considering they offer a comprehensive collection of money tools in one convenient place, we think that’s pretty awesome.
With Personal Capital, you can track your spending, net worth, and investments. You can also use it to check your investments for expensive fees and calculate whether you’re saving enough for retirement. These tools are all 100% free and at your disposal after a simple sign up process.
So, how does it work?
In short, Personal Capital synthesizes the data from all your accounts and delivers a complete financial picture that’s easy to understand. Just link Personal Capital to your bank, credit, and investment accounts and let the program do the heavy lifting. It imports your transactions and calculates how your spending aligns with your budget.
Why We Love It: Unlike some other alternatives to Quicken, Personal Capital is more than just budgets. And, since it is free, it makes a great compliment to some of the other programs as well.
Personal Capital also offers a powerful investment management tool. Its user-friendly interface tracks your asset allocation, monitors your investment performance, and analyzes your fees. It even takes your retirement goals into account and estimates your retirement income/expenditures based on your financial data. And, of course, Personal Capital also calculates the value of your assets relative to your debt (i.e. your net worth).
What’s Not to Like: Although the budgeting and expense tracking tools work well for us, some users may find them to be a bit too basic. Additionally, this program lacks online bill management capabilities, but don’t let that be a deal breaker.
You can always use Personal Capital’s tools while using another Quicken alternative for your day-to-day money management needs. Plus, these are free tools so you’ve got nothing to lose! Check out our complete Personal Capital review for more information.
2. Tiller Money
If you’re used to Quicken, that means you know your way around a spreadsheet. Good news: Tiller Money offers a familiar environment with supercharged money management capabilities.
Tiller Money connects with more than 20,000 financial institutions to import and categorize data from your bank, credit, mortgage, and brokerage accounts into Google Sheets or Excel.
The Foundation Template is the easiest way to get started. It’s a ready-to-go spreadsheet package that helps you build monthly and yearly budgets based on customizable spending categories. It tracks your spending, financial standing, and balances in one place to give you a clear sense of your situation.
For customers after a more customized experience, Tiller add-ons and Tiller Money Labs offer additional spreadsheets to meet your unique needs. A zero-sum budget, debt snowball template, and net worth tracker are just a few of the popular options. For the spreadsheet nerds among us, there’s even an option to build your own spreadsheet.
A bonus that many money apps don’t include? Tools specifically for freelancers and small-business owners, such as quarterly tax estimation and business-expense tracking.
Why We Love It: Tiller Money harnesses the power of spreadsheets to offer a customizable financial management experience. It’s especially great for people who like to get a little bit hands-on.
Tiller Money is an ad-free subscription that packs a lot of value for $79 per year. Like most paid financial tools, you can try it risk-free with a free 30-day trial. The really cool part? Students can use it free for a whole year.
If you’re looking for a money management tool that excels at financial tracking while offering budgeting, monitoring, and alerting services, look no further than MoneyPatrol.
It connects to more than 15,000 financial institutions and automatically imports financial data from your bank, credit card, mortgage, student loan, and investment accounts. It displays a summary of your overall financial picture on your dashboard, which is especially useful for people who have accounts at more than one bank.
MoneyPatrol sorts your bank and credit card transactions into customizable spending categories, labeling them by merchant. It produces a slew of charts, graphs, and reports to help you understand exactly how, when, and where you’re spending your money. The budgeting function allows you to plan a monthly budget for each category and tracks how your spending aligns with those budgets.
If powerful financial tracking and solid budgeting capabilities weren’t enough, MoneyPatrol takes it one step further with a comprehensive alert and notification system. You get text and email notifications (you can choose to receive just one or the other, if you like) when money moves out of your account. That way, you’re always aware of your cash flow. But it’s not as simple as letting you know when money is moving. MoneyPatrol monitors your spending history for patterns and irregularities, using that data to remind you of upcoming bills and alert you to potentially fraudulent transactions.
A MoneyPatrol subscription will run you $84 per year, which works out to $7 per month. But you can try a 15-day trial before you buy it.
CountAbout is another web-based alternative to Quicken. This program actually supports importing data from both Quicken and Mint, which is nice if you’re making a switch.
When you use CountAbout on a computer, there’s no app to install; you simply log in to their website. They do offer a mobile app for iOS and Android, but not all the features are available through the app.
Why We Love CountAbout as a Quicken Replacement: Like most of these programs, you can use CountAbout to create a fully customizable budget. Then, simply sync it to your bank account to automatically import your transactions and track your spending. Pretty sweet right? But, that’s not all it does.
With CountAbout, you can also run financial reports at any time throughout the year. The program also offers invoicing capability for small business owners as well as the ability to attach receipts. So, it is a pretty powerful alternative to Quicken and can replace much of the old program’s functionality – even beyond budgeting.
CountAbout offers two membership options: basic for $9.99 a year or premium for $39.99 a year. The only difference between the two is that the basic membership does not support syncing with online bank accounts. That means if you opt for the basic membership, your transactions will not be automatically downloaded. Your options are to enter transactions manually or import QIF files from your bank if they make those available.
You can even try CountAbout before committing. Simply sign up and take advantage of the 15-day free trial on their premium membership.
You Need a Budget (YNAB) is an excellent choice for anyone who wants an easy to use and effective budgeting app.
YNAB doesn’t offer a whole suite of money tools like Personal Capital. Instead, it focuses on two things: building a realistic budget and tracking your spending. Personally, I think that is great because it does them both very well.
I say a “realistic” budget because YNAB’s philosophy is that a budget is fluid and should be adjusted frequently in response to what’s going on in our lives. That’s why YNAB makes it so easy to move money between spending categories to keep your budget balanced.
For example, if you’ve budgeted $300 for groceries but your transactions indicate that you’ve spent $340, YNAB will notify you that you’ve overspent. Then, they’ll prompt you to deduct that $40 from another category. This system is especially useful if your goal is to maintain a zero-sum budget.
Why YBAB Is a Good Quicken Alternative: With YNAB, you have two choices: You can either automatically import your transactions by connecting to your bank and credit providers, or you can enter your transactions manually. Obviously, automating things is easier, but some may appreciate the option to do things the old-fashioned way.
YNAB offers a free 34-day trial, so you can try a full month of budgeting with no commitment. After that, the cost is just $7/month when billed annually ($11.99/month if billed monthly). That means once a year, you’ll pay $84 to use the app/software. Like some other programs, students can enjoy 12 months for free – which is a pretty cool benefit.
Also cool is that YNAB offers a 100% money-back guarantee. So, if you buy the app and decide it’s not helping you take control of your finances, YNAB will give you a full refund. I can’t argue with that!
If you want to get a better handle on your money, PocketSmith might be for you. Like several of the best alternatives to Quicken, this program provides a strong option for budgeting. Where it really shines, however, is with its financial forecasting.
Instead of simply tracking what you’ve already spent, PocketSmith also helps you see what the future holds for your money. The “budget calendar” provides a daily look at your future income and expenses, all on an easy-to-read calendar so you can plan appropriately. Using your current info, you can even project your bank account balances as far out as 30 years into the future.
In our complete Pocketsmith review, we mention that our favorite feature is the “what if” scenarios. This feature allows you to test different spending and saving decisions and see how they affect your future financial growth. Wondering how reducing your grocery spending will affect your savings rate? Want to take a $2,000 vacation next summer? Use the “what if” feature to understand both the short-term and long-term consequences.
As with most Quicken alternatives, PocketSmith utilizes live bank feeds to update your transactions automatically. Over 10,000 different financial institutions are supported, so it’s pretty likely that you’ll be able to connect your accounts.
Why We Like It: As we mentioned, Pocketsmith’s financial forecasting puts it a notch above many other Quicken alternatives. Additionally, it won’t cost you much to try it out.
The basic functions of PocketSmith can be used for free, however, you are limited to connecting just 2 accounts and 6-months of projections. The Premium version runs $9.95 per month ($7.50 per month if you pay for an annual subscription) and comes with 10 accounts and 10 year projections. Unlimited accounts and 30 year projections are available with the “Super” account which runs $19.95 per month ($14.16 per month if you pay annually).
Mint is a comprehensive financial tool that Quicken enthusiasts will probably appreciate. In fact, Intuit acquired Mint in 2010 shortly before they dropped Quicken from their suite of financial tools. Stew on that for a minute and think about whether Intuit thinks Mint is better than Quicken.
Like with some of the other Quicken alternatives, when you link your financial accounts to Mint, you have access to your whole financial picture in one place.
As we mention in our full Mint review, you can build a budget, track your spending, monitor your investments, and manage your bills. The bills feature is really nice for people who haven’t automated their bill payments and want the ease of managing them on one platform.
Why It Is a Better Alternative to Quicken: First and foremost, Mint is one of the few completely free Quicken alternatives, so it doesn’t hurt to try it. The program also lets you check your credit score and explains how it’s calculated. I think this is pretty neat because a lot of people don’t know their credit score or understand how these scores work.
With all that under one roof, you might be surprised to learn that Mint is free. Hey, we’ll take it.
8. Empower Finance
If you’re looking for a Quicken alternative that helps you budget, tracks your spending, and actively saves you money, Empower Finance is it. Oh, and it includes a bank account!
Like most money management apps, Empower works by connecting to your financial accounts and importing your transactions. You can build a daily, weekly, or monthly budget with custom categories and track how your spending compares.
But that’s really just the tip of the iceberg. While most apps help you save by making you more mindful of your spending, Empower actually finds you savings opportunities.
Its AutoSave feature helps you meet your weekly savings goals by analyzing your income and spending patterns to discover surplus cash. Empower transfers that excess money into a separate account up to four times a week — cha-ching!
Empower Finance also takes stock of your regular bill payments and presents you with lower-cost alternatives. It will even work with your current service providers to negotiate you a better deal. Lost track of your subscriptions? Empower rounds them up and cancels the ones you don’t want. That’s pretty incredible.
If you need further convincing, Empower Finance includes an interest-bearing checking account and access to a human money coach via live chat.
Why We Love It: Empower Finance harnesses the power of financial tracking to make personalized recommendations that save you real money. You can try Empower Finance for free for 30 days. After that, you get access to all its features for just $6 per month.
Banktivity is a personal money manager made for Mac users. The newest version, Banktivity 7, is designed specifically for MacOS Sierra. And, when you turn to Banktivity as a Quicken replacement, you can import your data for a seamless transition.
With Banktivity, you’ll sync your bank accounts and use it to build budgets, track your spending, pay your bills, and monitor your investments.
They also offer some really cool reporting options. For example, you can generate reports based on category spending or spending at a given merchant. So, if you want to track how much you spend on eating out, you can easily generate a report showing all your spending in that category over a given time frame. Or, if you want to get even more specific, you can easily pull up how much you spent on McDonald’s in the past two weeks.
The “Find” feature in Banktivity is kind of like Mac’s spotlight – it lets you search all your transactions to find the one you’re looking for. This can be a great time saver when you’re trying to quickly check something specific.
Banktivity offers a free 30-day trial, no credit card required. After that, you can purchase the desktop app for a one-time fee of $69.99. You can then download the app on iPhone and iPad and sync across your devices.
Moneydance is another viable Quicken replacement. In fact, if you currently have Quicken data, you can import it into Moneydance. It’s available as a desktop app for all the major operating systems or as a mobile app.
Moneydance’s interface resembles a check register, where you see a record of all your transactions. Those transactions can be imported automatically by syncing with your online banking, or you can enter them manually. If you want to go completely Quicken free, by choosing the automated route, you can also manage bill payments through Moneydance.
Of course, it wouldn’t be a very good option for personal finance software without the ability to create a budget. Moneydance lets you create spending categories and track your expenditures. If you’re a visual person, you’ll appreciate the interactive graphing tool. You can also use Moneydance to track your investments and monitor stock performance.
If you’re technologically inclined (i.e. a tech nerd), you can actually develop extensions for Moneydance using an Extension Developer Kit they offer as a free download. But I won’t get into that today!
You can try Moneydance using their free trial, which works a bit differently than the other trials we’ve talked about. There’s no time limit on their trial, but you’re limited to 100 manually entered transactions. Still, that’s enough to decide if Moneydance is for you. After that, you can buy the full program for a one-time fee of $49.99. They also offer a 90-day money back guarantee when you purchase from their website.
Next on our list of Quicken alternatives, we have Everydollar. If you’re a Dave Ramsey fan, you may want to give his budgeting tool a try.
Everydollar lets you budget your income into customizable spending categories, then enter your transactions and track your spending. The free version doesn’t link to your online accounts, so you enter your transactions manually. (If you want to automatically sync to your online accounts, you’ll need the paid version.) That’s not a deal breaker, but one thing I’ve noticed is that the app doesn’t seem to remember the category associated with a payee that’s previously been entered. Adding that would be a nice touch.
This is a super simple budgeting app that should meet the needs of someone who wants to get started with planning a budget and tracking their spending. The basic app is free, so there’s no risk involved in trying it out for a few months to see what you think. For those who want automatic transaction uploads directly from their bank, the app does offer a premium version (EveryDollar Plus)…but it is a hefty $129.99.
GoodBudget is a simple budgeting app that helps you plan and track your spending through a digital version of the envelope budgeting method.
If you’re unfamiliar with the envelope method, this is a style of budgeting where you use an envelope for each spending category. First, you’ll plan how much you’ll spend on each category (usually throughout the month). Then, you allocate cash for those expenses in each category’s designated envelope.
Throughout the month, you’ll take money from a designated envelope each time you need to spend in that category. If you run out of money in an envelope, you can’t spend any more on that category… unless you borrow the money from another envelope (which will reduce your spending power in that category).
The free version of GoodBudget gives you twenty envelopes and allows you to manually add transactions from your bank or import them through bank activity files. You can also sync across two devices – which is great for using it on desktop and mobile. You can also use one sync to share a budget with your partner.
GoodBudget Plus costs $6 a month or $50 a year. This gives you access to unlimited envelopes and bank account syncing. You can also use the app on five different devices.
Since you’re likely to have more than one account and may both want access on multiple devices, GoodBudget Plus is probably more practical for a couple who shares a budget. That being said, it’s great that this software also has a free option.
Dollarbird is another simple, no-frills budgeting app that makes for a good alternative to Quicken. This app is unique in that it’s calendar-based rather than category-based. What this means is that Dollarbird focuses on tracking your income and spending by day, rather than by category.
When you open the app, you’ll see a calendar. From there, you have the option of adding transactions (income or spending) for each day. Although you do categorize your transactions, the app displays your net spending per day rather than a running category total.
At this time, Dollarbird does not support syncing with your online accounts. This means all your transactions must be entered manually. So, if you’re looking to go Quicken free, this may not appeal to you.
However, you can schedule recurring transactions so you’re not constantly required to enter your regular fixed expenses. If you’re paid a regular salary, you can do the same with your paychecks.
The free version of Dollarbird gives you access to one calendar – perfect if you’re doing a simple solo budget.
The paid Pro version allows up to 20 calendars and can be accessed by three people. Again, the paid option might be more practical for couples. You can opt to pay $4.99 monthly or $39.99 for the year.
If simple smartphone apps are more your thing, PocketGuard deserves your consideration.
PocketGuard helps you budget your money, track your spending, and lower your bills. Better yet, it is available for both iOS and Android devices.
To get started, simply connect your credit cards, bank accounts, investments, and loans to the app. Your info will sync to the app and update automatically as transactions happen.
Although it’s not as powerful as some of the best Quicken alternatives, it can certainly help you keep an eye on your finances. Like some of the other programs, this app helps you see the balance of your connected accounts all in one place. It can also help you track and categorize your spending, set monthly income and spending goals, and provide tips on where you can save even more. The “in my pocket” feature even shows the amount of money you’ve got available to spend after accounting for all of your bills and savings goals.
Its main features can be used at no charge, so PocketGuard is a solid choice for a free Quicken replacement . It’s worth noting, however, that they also offer a paid version called PocketGuard Plus. The upgrade offers significantly more customization (including custom categories, cash transactions, etc.) and costs $4.99/month, $10.99/quarter, or $34.99 if you pay annually.
MoneyWiz is another alternative to Quicken that works with Apple, Android, and Windows devices.
With this app, you can easily sync all of your financial data into one place. It also boasts a live syncing feature which allows you to sync data between devices in real-time.
Using MoneyWiz for budgeting is also a breeze. The app allows you to create different budgeting categories which you can set up as a one time or recurring category. Balances can be rolled over from one period to the next, and the program will even monitor your accounts for transactions – automatically updating the relevant information as you go. You can also transfer money between categories, similar to the “envelope” method.
In addition to the automatic syncing functions on the premium version of the app, MoneyWiz also allows you to enter your transactions manually. It is also capable of creating multiple reports and graphs, including custom financial reports.
So, if you’re looking to replace Quicken, MoneyWiz may be worth a try. You can get all the functionality by purchasing the premium version for $4.99 a month or $49.99 per year.
16. Status Money
Are you competitive about your finances? There’s an app for that.
Status is a free Quicken alternative that allows you to compare your financial situation with your peers. Simply connect your accounts and start comparing right away. Then, use those comparisons as motivation to improve your own financial situation!
Of course, Status is about more than just comparing yourself to others. With Status, you can track your net worth, create spending goals, and monitor your credit. The program also analyzes your saving and spending by category, offering suggestions to improve your situation along the way.
Although Status is not nearly as robust as many of the other options, it is free to use. (It is ad supported, so keep that in mind when considering their suggestions.) So, while it may not be the perfect Quicken replacement, it won’t cost anything for you to test it out.
Wally is another personal finance app available for use on your smartphone. This app focuses entirely on budgeting and tracking your expenses. So, if you’re somebody who needs help with those two things (and who doesn’t?), Wally may be for you!
Although the app is attractive, it isn’t very complex. Unlike almost every other program on this list, with Wally, you won’t connect your accounts. For those who are a little skittish about cloud-based apps, this may actually be seen as a plus.
Effectively, Wally is like using a paper budget…except it’s on your smartphone. You’ll have to manually enter your income and transactions, although you do have the ability to create recurring expenses for bills that stay the same every month.
Even though it lacks automation, Wally does a good job of doing what it sets out to do – help people manage their monthly budgets. Once you set it up, you’ll be able to quickly compare your monthly income to your expenses, helping you to get a firmer grasp on your finances.
Wally was originally available just for iPhones, but they recently unveiled a new version for Android. According to their website, the app is (and always will be) free. There are plans to add some paid features, but we’ll have to wait and see what those are when they are rolled out in the future.
GnuCash is a free open-source financial management software that runs on some Windows and Apple operating systems.
The app uses the double-entry accounting method to help you keep track of your finances. Business owners should already be familiar with this concept as it is the preferred method used for balancing books and keeping accurate financial records for companies.
With that said, the app can help with your personal finances as well. Through GnuCash, you can track your bank accounts, income, expenses, and investments. If you’re planning to replace Quicken, you can input your information directly from your old software. GnuCash is also capable of running a variety of financial reports for those who need them.
GnuCash is typically better for those who have a business and isn’t a perfect fit for most people’s personal finances. However, it is free, so it may be worth a try.
Quicken Alternatives: Final Thoughts
With Quicken no longer the only financial tracking game in town, there are plenty of options to choose from. Whether you’re looking for a simple budgeting program or a complete personal finance software package, there’s enough variety on this list to suit almost any need.
Although everybody has their preferences (us included), ultimately, the best financial tools are ones you’ll use consistently. So why wait? Use one of the links above to download a free app or start a free trial to find out what program works for you.
How many of these money management tools have you tried? Which is your favorite? Let us know in the comments!