For a few years, Quicken was among the best private finance budgeting and invoice administration software program packages. However as of late, extra trendy budgeting instruments exist. They join seamlessly together with your financial institution accounts, bank cards, and funding apps utilizing the most recent know-how.
I used to be as soon as an enormous fan of Quicken, however let’s face actuality — it is not the highest budgeting app available on the market — removed from it. In case you’re searching for a Quicken different, we tried a number of choices, and listed below are our favorites.
1. Empower
Key Function: Free monetary dashboard and wealth planner
- Pricing: Free
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
Empower is a superb budgeting app for individuals who wish to construct wealth. It provides a free Private Dashboard that permits you to observe your web value, your monetary accounts, and your funds. You can too earn a excessive APY in your financial savings by Empower’s no-fee Private Money account and reap the benefits of Empower’s wealth administration companies if in case you have a portfolio stability of $100,000 or extra. With Quicken, I typically bumped into synching and connection points, however with Empower, which is web-based, account synching is seamless.
Empower lacks the budgeting capabilities of another apps on this checklist, nevertheless it’s the way in which to go in case your precedence is monitoring your investments and web value.
Professionals
- Free to make use of
- Highly effective web value tracker
- Wealth administration out there
Cons
- There are higher budgeting instruments
2. Tiller Cash
Key Function: Spreadsheet automation for full customization
- Pricing: $79 per yr
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
In case you’re a fan of utilizing spreadsheets to funds, you will wish to know extra about Tiller Cash. Tiller Cash will automate your spreadsheets at a low price of $79 per yr after a free 30-day trial. With some tweaking, it’s going to pull your knowledge for you and put it right into a Google Sheets or Microsoft Excel doc. Whereas Quicken provides loads of options out of the field, I discover Tiller to be extra customizable.
You can begin with one in every of Tiller’s free templates or construct your individual, however after the preliminary work, you will have a totally automated spreadsheet tailor-made to your wants. You should use this to trace your web value and set budgets. If there is a downside, it is that it helps to be considerably comfy with the fundamentals of spreadsheets (or want to be taught).
To be taught extra, learn our full Tiller Cash evaluate.
Professionals
- Spreadsheet-based budgeting
- Provides versatile templates
- Observe spending at a look with the Spending Traits sheet
- 30-Day free trial
Cons
- It has extra of a studying curve than another apps
3. Vyzer
Key Function: Refined asset monitoring for larger web value customers
- Pricing: $0 to $149 month-to-month
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
Vyzer is a monetary dashboard and administration system designed for high-net-worth people who handle a wide range of funding accounts. One limitation of instruments like Quicken is that it is difficult to trace belongings that do not match neatly into one in every of its integrations (and even then, typically the integrations do not work).
With Vyzer, you may observe belongings that aren’t held neatly in a brokerage or checking account. They provide a service the place you may add any kind, and they’re going to parse it and add it to your belongings. Do you personal rental properties? If that’s the case, do you discover it troublesome to trace money circulation? With Vyzer, they’ll do it for you and ship that knowledge to your dashboard.
Nobody else provides this. This lets you analyze your portfolio, handle your money circulation, and do all the mandatory evaluation as a result of these belongings at the moment are being tracked.
They’ve a free tier, simply added in mid-2023, the place you may observe three portfolios (linking up three banks/brokerages) and use their instruments to see how they evaluate. This is not a timed trial; it is three portfolios tracked endlessly with entry to lots of their monitoring and efficiency instruments.
Professionals
- Free tier out there
- In a position to seize belongings not held in typical brokerage or checking account
- Highly effective software is appropriate for high-net-worth people
Cons
- Elite model is expensive ($149/month)
- Not excellent for learners
4. ProjectionLab
Key Function: Attractive monetary planning and forecasting software
- Pricing: $0 to $49 month-to-month
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: No
Study extra about ProjectonLab
ProjectionLab is likely one of the best-looking monetary instruments I’ve ever seen. It is a monetary planning software that features deterministic projections, historic backtesting, simulations, and extra that can assist you plan to your future. What it lacks within the budgeting division, it makes up for in planning.
ProjectionLab has three tiers and a 7-day free trial – Fundamental (free), Premium ($9/month), and Professional ($45/month), when paid yearly. Fundamental permits you to mess around with the software however won’t save your knowledge until you improve to Premium. Premium offers you entry to each non-financial advisor characteristic of the software (every thing an everyday individual would wish).
The place Quicken focuses on spending and saving to achieve objectives, ProjectionLab can let you know if that saving (and the way you’re invested) will assist you to obtain these objectives. Observe that Projection Lab just isn’t a budgeting software, so it won’t be a superb different if that is necessary to you.
Our evaluate of ProjectionLab goes into a lot better element, together with a tour by the founder.
Professionals
- Wonderful monetary planning software
- Reasonably priced – free model and Premium is simply $9/month
- Full of projection and simulation instruments, together with Monte-Carlo and Sankey Money-Movement
Cons
- To avoid wasting knowledge, should pay for a Premium subscription
- Not a budgeting software
Study extra about ProjectonLab
5. You Want a Price range (YNAB)
Key Function: Greatest-in-class budgeting software
- Pricing: $14.99 month-to-month, $99 yearly
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
Study extra about You Want a Price range
You Want a Price range is highly effective budgeting software program that may assist you to construct a funds you may develop into. It does greater than observe your cash; it helps you construct a framework for rising your wealth.
Consider it like Quicken with a persona and a philosophy.
YNAB’s philosophy revolves round 4 guidelines:
- Give Each Greenback a Job
- Embrace Your True Bills
- Roll With The Punches
- Age Your Cash
These 4 pillars kind the inspiration for a budgeting app that has helped many individuals remodel their monetary lives and enhance their spending habits. If you wish to transition to a monetary software that can assist you to do extra than simply file bills, you must have a look at YNAB.
For extra info, learn our You Want a Price range evaluate.
Professionals
- Highly effective zero-based budgeting app
- May help you enhance your spending habits
- Automated financial institution syncing
- 34-Day free trial
Cons
- Would not provide a free plan
- Costlier than some options
- No invoice monitoring
Study extra about You Want a Price range
6. Simplifi by Quicken
Key Function: Cheap, on-line, & gentle model of Quicken
- Pricing: $3.99 month-to-month
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
Simplifi by Quicken is a light-weight budgeting app constructed by the identical workforce as Quicken. The app has all the essential options you’d anticipate in a budgeting app—monitoring spending, setting a funds, setting financial savings objectives, and detailed studies of revenue and bills so you may analyze your spending. It makes use of Plaid, so it syncs up with 1000’s of establishments.
It additionally contains gentle funding monitoring with real-time quotes and even tracks cryptocurrencies. Simplifi prices $3.99 a month, however for a restricted time, it is simply $2 a month, making it one of many extra reasonably priced paid apps out there. Observe that whereas Simplifi provides a “Invoice Join” characteristic that allows you to view your payments, there is no approach to pay for them by the app.
For extra info, learn our full Simplifi evaluate.
Professionals
- Reasonably priced
- Intuitive app is straightforward to make use of
- Syncs to 1000’s of economic establishments
- Share your account with accomplice, advisor, and many others.
Cons
- Lacks in-depth funding monitoring
- No Invoice Pay characteristic
7. Lunch Cash
Key Function: Fantastically designed budgeting app
- Pricing: $10 month-to-month or $100 per yr
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
Lunch Cash is a superbly designed budgeting app that does one factor very effectively – funds. You’ll be able to sync your financial institution accounts or, should you favor, add CSVs together with your transaction knowledge. In case you’re a programmer, you may also reap the benefits of their developer API. As soon as your knowledge is in Lunch Cash, you may break up, group, tag, and categorize all of your transactions precisely as you need. Afterward, you may set a funds, which is able to hyperlink up together with your transactions and offer you an thought of the place you’re.
Lastly, a web value calculator might help you perceive your progress. Lunch Cash is cheaper and simpler to make use of than Quicken. That stated, it lacks the invoice pay options Quicken provides, although it will probably observe recurring bills and allow you to know when payments are due. Maybe the largest knock in opposition to Lunch Cash is that they do not have a cellular app for iOS or Android. Their web site can be utilized on a pill or cellular gadget, nevertheless it’s not excellent.
Lunch Cash prices $10 monthly or $100 per yr and has a 14-day trial. Study extra in our full Lunch Cash evaluate.
Professionals
- Automated financial institution syncing
- Wonderful options for organizing transactions
- Features a web value calculator
- Tracks recurring bills
Cons
- No free model
- No cellular app
- No Invoice Pay characteristic
8. CountAbout
Key Function: Can import knowledge from Quicken
- Pricing: $9.99 to $39.99 per yr
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
CountAbout was designed as a Quicken different. Based in mid-2012, it is likely one of the solely private finance apps that can import knowledge from Quicken. If you wish to transition away from Quicken however fear about shedding all of your knowledge, you may feed it your Quicken file, and it will populate itself. That’ll make the transition far much less painful!
Like Quicken, CountAbout is not free however solely prices $9.99/yr for the Fundamental subscription and $39.99/yr for the Premium subscription. The Premium subscription contains computerized transaction downloads. A subscription mannequin means you might have full knowledge privateness and will not get annoying advertisements like different corporations.
CountAbout is web-based, with multi-factor account safety, so you do not have to obtain a program onto your pc, and there is no have to cope with unwieldy syncing points – all you want is an internet browser. And with CountAbout’s iOS and Android apps, your monetary info is at all times at your fingertips.
Professionals
- You’ll be able to import your Quicken knowledge
- 45-day free trial is longer than most apps
- Automated account syncing
Cons
- No free model
- No Invoice Pay choices
- Minimal funding monitoring
9. Pocketsmith
Key Function: Price range planner, calendar, and projector
- Pricing: $9.99 to $26.66 month-to-month
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
Pocketsmith is a freemium budgeting software that makes use of calendars and “event-based budgeting.” Being calendar-based implies that somewhat than viewing your transactions as merely a protracted checklist of transactions, the calendar helps you perceive when these transactions are occurring and if they’re doing so repeatedly. This helps inform you about your spending and is likely one of the extra visible methods when in comparison with others on this checklist.
PocketSmith has a free possibility that permits you to manually import transactions, 12 budgets, 2 accounts, and projections for six months out. Basis, $9.95 monthly, billed yearly, will get you computerized transaction importing, limitless budgets, 10 accounts, and 10 years of projections. For $16.66 month-to-month, Flourish will get you 18 related banks, dashboards, and 30 years of projections. Fortune is $26.66 month-to-month and provides limitless accounts and 60 years of projections.
For extra particulars, take a look at our full Pocketsmith evaluate.
Professionals
- Provides a limited-free model
- Calendar-based app helps you visualize your funds
- Automated account syncing (paid plans)
Cons
- Few funding options
- Free model could be very restricted
10. Banktivity
Key Function: Native Mac software
- Pricing: $49.99 to $99.99 per yr
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
Constructed particularly for MacOS, Banktivity is a private finance cash supervisor that imports knowledge from Quicken, so you do not lose something within the transition course of. It will do every thing you need in a private finance app, together with budgeting, monitoring spending, scheduling and paying payments, monitoring your investments (together with actual property), and pulling knowledge from monetary establishments.
It additionally has some highly effective reporting choices that, should you’re a report junkie, you’ll in all probability actually take pleasure in constructing, tweaking, and rebuilding. All that is additionally potential throughout iOS gadgets with seamless cellular app synchronization.
It isn’t free, although there’s a free 30-day trial interval. It has an annual subscription primarily based on the extent of service you need. Bronze begins at $49.99 a yr and goes as much as $99.99 per yr for Gold.
Professionals
- Superb for Mac customers
- Can necessary knowledge from Quicken
- Schedule and pay payments
- Monitor investments (together with actual property)
- 30-day free trial
Cons
- No free model
- Not out there on Home windows – Mac solely
- Pricier than some apps
11. MoneyDance
Key Function: Not cloud-based
- Pricing: One-time worth possibility of $65, or $9.00 month-to-month, $90 yearly
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
MoneyDance just isn’t as effectively often called another apps on our checklist however is value mentioning because it’s one of many few cash apps that does not depend on the cloud. In case you are involved about storing your knowledge on-line, this resolution retains your knowledge native to your pc.
You’ll be able to nonetheless hyperlink your accounts on-line, which pulls your transactions mechanically, however they solely retailer them in your pc. You’ll be able to enter transactions manually should you do not wish to hyperlink your accounts.
MoneyDance appears to be like and appears like a checkbook, with the verify register for transactions, however has charts and tables for reporting. It does budgeting however may observe your investments, albeit it is not as feature-rich as others.
Moneydance is free to obtain and check out, nevertheless it prices $65 (you may go for a $90 annual subscription if you’d like updates). The free model has all the identical options because the paid model, however you may solely enter 100 guide transactions.
Professionals
- Would not retailer info on the cloud, which is able to enchantment to some customers
- Funding monitoring
- Automated account syncing
- 90-day moneyback assure
Cons
- Steeper studying curve than competing apps
- Model with updates is $90 yearly
12. EveryDollar
Key Function: Follows Dave Ramsey’s Child Steps
- Pricing: $17.99 month-to-month or $79.99 yearly
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
Have you ever heard of Dave Ramsey? Many people swear by his method to managing funds, and EveryDollar is constructed with that in thoughts. It considers human psychology somewhat than relying solely on math, which could clarify why it’s so efficient.
Very similar to YNAB, EveryDollar makes use of the rules of zero-based budgeting.
In zero-based budgeting, you assign each greenback to a class (or job, in YNAB parlance). It is a degree of rigor that may be refreshing or limiting, relying in your persona. The app is gorgeous, out there in your smartphone, and has a free and paid model. The paid model prices $79.99 a yr.
Observe: The paid model provides cellphone assist and automatic transaction importing, which is an enormous time-saver; in any other case, it’s essential to manually enter the info.
Professionals
- Makes use of rules of zero-based budgeting
- App is visually interesting
- Automated account syncing
- 14-day free trial
Cons
- Paid model is costlier than some options
- No Invoice Pay
- No funding monitoring
13. GoodBudget
Key Function: Follows the envelope budgeting methodology
- Pricing: $0, $10/month, or $80/yr
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
GoodBudget is a free budgeting app primarily based on the envelope budgeting methodology. In envelope budgeting, you put aside a prescribed quantity for every spending class and spend it every month.
It is probably the most widespread cash administration methods in private finance. The envelope refers back to the unique methodology of managing this kind of funds, the place you place bodily money into an envelope. While you run out of cash, you borrow money from one other envelope or make do.
GoodBudget provides know-how to the combo and synchs up financial institution accounts to assist observe your revenue and spending. You set the quantity for every class and watch as your spending nears the month-to-month restrict. It is out there for each iOS and Android telephones.
Professionals
- Free model
- Superb for envelope-based budgeters
- Internet value monitoring
- Automated account syncing (paid model)
Cons
- No funding monitoring
- Free model is proscribed
14. GnuCash
Key Function: Open-source and free
- Pricing: Free
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: No
GnuCash is free open-source accounting software program that, should you’re keen to place within the work, can replicate quite a lot of the Quicken expertise for these keen to scale the training curve. It options double-entry accounting (each transaction should debit one account and credit score one other), which is efficient however would require an adjustment should you’re not used to it.
It provides lots of Quicken’s performance, akin to splitting and categorizing transactions, managing a number of accounts, scheduling transactions, and reporting that features charts and studies (stability sheet, P&L, portfolio valuation, and many others.).
Its large benefit is that it will probably deal with budgeting and investments, so it is not strictly a budgeting software.
Lastly, it provides QIF importing to import your Quicken recordsdata, plus OFX (Open Monetary Alternate) protocol. This implies you may pull in your knowledge in case your financial institution provides the flexibility to export transactions.
Professionals
- Free
- Budgeting
- Invoicing instruments
- Would not assist a number of customers
Cons
- Not user-friendly
- Not cloud-based
- No computerized account syncing
15. Dollarbird
Key Function: Date & calendar-based budgeting
- Pricing: $39.99 to $59.99 per yr
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: No
Dollarbird is one other private finance app with a watch towards collaboration and a month-to-month calendar. The app builds a schedule of future revenue and expenditures that can assist you plan. Dollarbird additionally provides a five-year monetary plan to determine longer-term monetary objectives and observe your efficiency in opposition to them.
Dollarbird makes use of calendar-based cash administration. You’ll be able to collaborate with others (a accomplice, member of the family, or a workforce) to handle a workforce funds, although the collaborative piece requires the Professional model ($39.99 / yr).
Professionals
- Reasonably priced pricing
- Helps collaboration with relations
- Set long-term monetary objectives with 5-year plan
Cons
- No computerized account syncing
- Free model is proscribed
16. MoneyWiz
Key Function: Freemium app with cryptocurrency assist
- Pricing: $4.99 month-to-month, or $24.99 to $49.99 per yr
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
MoneyWiz has been round since 2010. It helps virtually each working system you may think about—every thing from Home windows to Android to iOS gadgets just like the iPhone and iPad—and it syncs them in real-time.
It is a highly effective budgeting software that integrates with 16,000+ banks in 51+ international locations, together with cryptocurrencies. If importing out of your monetary establishment considerations you, you may manually enter knowledge, and it really works simply as effectively. For budgeting, you may work with their classes (that are multi-level) or add your individual (and subcategories). You’ll be able to break up transactions, bulk edit, tag, and create highly effective studies. It will not pay your payments for you however does have notification options.
The freemium product has a free model with all of the performance minus synching throughout a number of gadgets and automatic transaction downloads. For that, it’s essential to purchase the Normal plan ($29.99 per yr) or Premium ($49.99 per yr or $4.99 monthly).
Professionals
- Reasonably priced pricing
- Helps cryptocurrencies
- Internet value monitoring
- Automated syncing
Cons
- Free model is proscribed
- Variety of out there options may overwhelm new budgeters
17. PocketGuard
Key Function: Freemium budgeting-focused app
- Pricing: $155.99 per yr ($74.99 billed yearly)
- Budgeting: Sure
- Internet Price Monitoring: Sure
- Automated Syncing: Sure
PocketGuard is an easy budgeting app that hyperlinks your bank cards, checking and financial savings accounts, investments, and loans. It has an entire image of your funds, however its strengths are in budgeting—the way it updates and categorizes your spending because it occurs and appears for alternatives to avoid wasting. Utilizing your spending, it additionally builds a personalised funds primarily based in your knowledge and the objectives you set for your self.
They’ve a free model and a Plus model. The free model has every thing it’s worthwhile to observe your bills and keep watch over them. Plus permits you to so as to add customized classes and observe money transactions like revenue and payments. Pricing is $155.99/yr should you pay month-to-month or $74.99 billed yearly (50% financial savings)
Professionals
- Free model
- Automated syncing
- Wonderful budgeting options
Cons
- Free model is proscribed
- Web site is cumbersome to navigate
What to Look For in a Budgeting App
Your alternative of budgeting app will rely in your budgeting fashion and the options which can be most necessary to you. For instance, should you favor to comply with a zero-based method to budgeting, you will seemingly be drawn to an app akin to YNAB or EveryDollar. In case you love spreadsheets, Tiller Cash may enchantment to you. That stated, most high budgeting apps share a couple of key options.
Automated syncing permits your banking balances and exercise to be uploaded mechanically into your budgeting app. This makes the whole course of simpler and saves you from having to manually add your account knowledge. Internet value monitoring goes past primary budgeting, nevertheless it’s an necessary monetary measurement. As such, it is good if you will get the characteristic in the identical app you utilize to trace spending and handle your funds.
One other “nice-to-have” characteristic in a budgeting app is a free model. Whereas many will not thoughts spending cash on the premium model to unlock all the options, should you simply desire a easy funds, most free variations have sufficient functionality to get the job performed.
What Is the Greatest Free Various to Quicken?
We contemplate Empower Private Dashboard to be the most effective free Quicken different as a result of it provides budgeting and wealth administration instruments. Whereas many different instruments provide one or the opposite, Private Capital provides each, so you will get it multi functional place. Additionally they provide a wealth administration advisory service that can assist you together with your investments.
FAQs
Intuit created Quicken On-line to compete with Mint. Close to the tip of 2009, they gave up and purchased Mint. Afterward, they opted to close down Quicken On-line and bought the whole Quicken unit to H.I.G. Capital in 2016. Quicken On-line not exists however you may strive Simplifi by Quicken instead.
Any cloud-based different will work on a PC and a Mac. It is cloud-based, so it really works in your browser, which makes its working system agnostic.
If you would like private finance software program designed particularly for Macs, Banktivity is your best choice. It is one of many few private finance functions constructed particularly for MacOS and has the richest characteristic set. Most significantly, it seamlessly integrates with iPhones and iPads.
It is extraordinarily unlikely that Quicken will likely be discontinued. They’ve retired older variations of the software program and provides customers a path in direction of upgrading to their subscription product (which carries no yr in its identify), however personal fairness corporations now personal it, they usually’re unlikely to close down Quicken given how a lot they’ve invested in shopping for it.
Abstract
In case you’re not thrilled with utilizing Quicken to handle your funds, together with your funds, there are a lot of options, each free and paid, to select from. For zero-based budgets, we like YNAB and EveryDollar, each of which provide slick and intuitive apps, and strong budgeting options. In the end, you may slim your alternative by making a listing of “must-have” options. From there, evaluate pricing and some other useful options that may assist you to make a last alternative.