Want to replace Quicken? These Quicken alternatives can help!
Once the best money management tool available, Quicken’s features have improved little over the years. In fact, Intuit (famous for programs like Quickbooks and TurboTax) actually sold their ownership rights to Quicken back in 2016. So, what does that tell you about the program?
Thankfully, Quicken is not your only option for personal finance software. These days, there are plenty of programs that can help you manage your money. Even better, some of the best Quicken alternatives are 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.
Quicken Alternatives: Our Top Picks
Personal Capital [Editor’s Choice] – Personal Capital is our top choice for Quicken alternatives. This software automatically tracks your savings, spending, investments, net worth, and more. Here’s the best part: It is FREE!
Tiller Money [Best for Budgeting] – Tiller Money uses spreadsheets to help you create a monthly budget and automatically track your results. It can also run detailed reports on itemized deductions, your annual spend by category, and more. Try it free for the first month, then pay less than $7 a month.
10 Best Alternatives to Quicken in 2021
Without further ado, here is our list of the best replacements for Quicken in 2020! Follow the links below to jump ahead and learn more.
- Personal Capital – Free financial tracking and planning tools
- Tiller Money – Spreadsheet budgeting and reporting
- MoneyPatrol – Budgeting and financial tracking
- YNAB – Zero-based budgeting
- PocketSmith – Budgeting and financial forecasting
- Mint – Free budgeting and expense tracking
- CountAbout – Budgeting and financial reports
- Empower Finance – Budgeting, automatic savings, and bill reduction
- Moneydance – Non-cloud solution
- Everydollar – For followers of Dave Ramsey
1. Personal Capital
- Best Uses: Financial Tracking and Planning
- Price: Free
- Top Features: Net Worth Tracking, Investment Fee Analyzer, Retirement Calculator, Investment Checkup Tool, Cash Flow Tracker
- Try Personal Capital for Free
Personal Capital is our choice for the top Quicken alternative. We’ve used it for years and continue to love this powerful program.
What’s so great about Personal Capital? For starters, it’s free. Plus, they offer a comprehensive collection of money tools in one convenient place, so 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. Again, 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 pulls 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. Then, the software 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 powerful investment management tools. The user-friendly interface tracks your asset allocation, monitors your investment performance, and analyzes your fees.
The program 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).
Read our complete Personal Capital review to learn more.
What’s Not to Like: Although the works fairly well, some users may find this “budgeting” tool to be a bit too basic. When directly comparing Personal Capital vs. Quicken, Personal Capital also lacks online bill management capabilities. Don’t let that be a deal breaker, though.
You can always take advantage of Personal Capital’s tools while using another Quicken alternative for your day-to-day money management needs. Plus, these tools are free, so you’ve got nothing to lose!
2. Tiller Money
- Best Uses: Spreadsheet Budgeting and Expense Tracking
- Price: $6.58/month ($79/year)
- Top Features: Foundation Template, Customizable Templates and Categories, Automated Tracking, Basic Financial Reports
- Try Tiller Money: 30-Day Free Trial
If you’re used to Quicken, you already know your way around a spreadsheet. Good news: Tiller Money offers a familiar spreadsheet 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 card, 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 needing 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 more popular options. For the spreadsheet nerds among us, there is even an option to build your own spreadsheet.
Here’s a bonus that many money apps don’t include — tools specifically for freelancers and small business owners. These tools include things like 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 be a little more hands-on with their money.
Tiller Money is an ad-free subscription that packs a lot of value for only $6.58 a month ($79 per year). Like most paid financial tools, you can try it risk-free with a free 30-day trial. Students can also use it free for a whole year.
- Best Uses: Budgeting and Financial Tracking
- Price: $7.00/month
- Top Features: Automatic Expense Tracking, Customizable Spending Categories, Financial Reports, Fraud Alerts
- Try MoneyPatrol: 15-Day Free Trial
MoneyPatrol is a money management tool that excels at financial tracking. It also offers some solid budgeting help.
The app itself 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.
Then, 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.
MoneyPatrol also provides a comprehensive alert and notification system. You’ll get text or email notifications whenever money moves out of your account. MoneyPatrol also 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. They also offer a 15-day trial before you buy it.
You Need a Budget (YNAB) has long been considered one of the best budgeting apps available. Although it doesn’t offer a whole suite of money tools like Personal Capital, it focuses on two important things 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. Therefore, they believe your budget should be adjusted frequently in response to whatever is going on in your life. 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-based budget.
Why YBAB Is a Good Quicken Alternative: With YNAB, you have two choices: You can 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. Once it is there, the info is added to the budget template, and you’re good to go.
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: In a showdown of Mint vs. Quicken, I’d go with Mint. 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.
- Best Uses: Budgeting and Financial Reports
- Price: $9.99/year (Basic) or $39.99/year (Premium)
- Top Features: iOS and Android App, Customizable Budget, Financial Reports, Automatically Track Transactions, Invoicing
- Try CountAbout: 15-Day Free Trial
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.
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.
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.
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!