Quicken Alternatives: Top 5 Software for Personal Finance Management

5 Quicken alternatives to streamline your personal finance management

If you’re in search of a personal finance tool that’s not Quicken, you’ve come to the right place. As former Quicken enthusiasts, we understand the need for a reliable and efficient budgeting and bill management software. However, with the advent of newer technology, there are now several alternatives available that perform better and are often free.

We’ve tested various options and have compiled a list of our top picks for the best Quicken alternatives. Whether you’re looking for a seamless connection with your bank accounts and credit cards, faster code, or a better user experience, we’ve got you covered. Say goodbye to Quicken’s sync and support issues and hello to a suitable replacement.

🏆 Our Favorite Picks (and why)

When it comes to managing personal finances, we have found two standout options that we highly recommend. The first is Empower (formerly known as Personal Capital), which offers a comprehensive suite of investment tools, a robust budgeting system, and portfolio analysis that surpasses the competition. While it doesn’t offer bill pay, which is not a feature commonly used, it is regularly updated, so you don’t have to worry about any sync issues. Best of all, it’s free and is the personal choice of one of our team members.

The second option we recommend is Tiller Money, which is hands down the best spreadsheet automation tool on the market. While it takes some time to set up, you can customize it to your exact needs, either by building it from scratch or using one of their templates. Tiller Money pulls the data, which saves you a ton of time and hassle. Overall, if you’re looking for a spreadsheet-based solution, Tiller Money is the way to go.

The Full List of Quicken Alternatives:

We have compiled a comprehensive list of alternative financial management tools to Quicken. These tools offer a range of features including budgeting, forecasting, asset tracking, and more. Here are the top 15 Quicken alternatives:

• Empower (Personal Capital) – a free financial dashboard and wealth planner.
• Tiller Money – a spreadsheet automation tool for full customization.
• Vyzer – a sophisticated asset tracking tool for higher net worth.
• ProjectionLab – a gorgeous financial planning and forecasting tool.
• You Need a Budget – a best-in-class budgeting tool and mindset shift.
• Lunch Money – a beautifully designed budgeting app.
• CountAbout – a tool that can import data from Quicken.
• Pocketsmith – a budget planner, calendar, and projector.
• Banktivity – a native Mac application.
• MoneyDance – a non-cloud-based tool.
• EveryDollar – a tool that follows Dave Ramsey’s Baby Steps.
• GoodBudget – a tool that follows the envelope budgeting method.
• GnuCash – an open-source and free tool.
• DollarBird – a date and calendar-based budgeting tool.
• MoneyWiz – a freemium app with cryptocurrency support.
• PocketGuard – a freemium budgeting-focused app.

With these alternatives, you can find a financial management tool that meets your specific needs and preferences.

1. Empower (Personal Capital)

When it comes to managing our financial life, we need a tool that can do more than just help us with budgeting. We need a financial dashboard that can help us keep track of our investments, retirement plans, and progress towards our financial goals. This is why we believe Empower (previously known as Personal Capital) is the best alternative to Quicken.

Empower offers a range of tools to analyze our progress and advise us on whether we’ll reach our financial goals. This includes retirement planning, investment tracking, and budgeting. The best part is that it’s free and easy to use, so we don’t have to worry about investing a lot of time into a tool that may not be a good fit.

For those who want more hands-on assistance, Empower also offers a complimentary call with a financial advisor. If we decide to opt for their Advisor service, we only pay for the service we use. This is how they are able to offer their tools for free.

One of the big problems with Quicken is that we often run into syncing and connection issues. Fortunately, Empower is web-based, so it is updated regularly. It also has a rich set of tools for analyzing our finances, making it a good alternative to Quicken.

One of the standout features of Empower is its retirement planner. This tool helps us project our future financial needs and whether we’ll be able to achieve our financial goals. While we haven’t talked to an advisor there, we appreciate the option to schedule a call if we need more personalized assistance.

While the budget and expense tracking features of Empower are good, they aren’t as complex as Quicken’s. For example, we can’t manage our bill pay through this tool. However, we don’t find this to be a negative as it works well for our needs. People with more complicated budgets may find it limiting.

As with any service that connects with many banks, there may be some quirks here and there. For example, all of our holdings at Ally Invest are categorized as cash, but Empower is working on a fix. Overall, Empower is a reliable tool for managing our financial life and reaching our financial goals.

2. Tiller Money

If you are considering moving away from Quicken and looking for an alternative, Tiller Money is a great option to consider. Tiller Money is a budgeting tool that automates your spreadsheets at a low cost of just $6.58 a month ($79 per year after a free 30-day trial).

With Tiller Money, you can start with one of their free templates or build your own customized spreadsheet. After the initial setup, Tiller Money will pull your data and input it into a Google Sheets or Microsoft Excel document. This makes it easy to track your net worth, set a budget, or anything else you can imagine.

One of the benefits of Tiller Money is that it is built into a spreadsheet, making it infinitely more customizable than Quicken. If you put in the work, you can create your own reports, dashboards, and have complete visibility into your finances. This is an advantage over Quicken, which offers a lot of features out of the box but lacks the same level of customization that Tiller Money provides.

Tiller Money also offers great resources, including templates, to help you get started. However, it does require an investment of time to set up and customize your spreadsheet. If you are uncomfortable with spreadsheets, Tiller Money may not be the best option for you.

One of the best things about Tiller Money is that it allows you to get automation while keeping your data locally stored. This is a great option if you want to avoid putting your data into the cloud.

In summary, Tiller Money is a great alternative to Quicken for those who are comfortable with spreadsheets and want a more customizable budgeting tool. With its low cost and automation features, it’s definitely worth considering.

3. Vyzer

Vyzer is a financial dashboard and management system that caters to higher net worth individuals managing a variety of investments. Unlike other tools like Quicken, Vyzer allows users to track assets that do not fit neatly into one of their integrations. This feature is particularly useful for individuals with investments in assets that are not held in a brokerage or bank account.

With Vyzer, users can upload any form, and a dedicated team member will parse it and add it to their assets. This service is available to users who sign up for the premium plan, which costs $79/month. This feature allows users to track assets that are not typically tracked by other financial management tools.

One unique feature of Vyzer is that it allows users to track cash flow from real estate rentals. This service is not offered by any other financial management tool, and it is a significant advantage for individuals with real estate investments. Vyzer will track the cash flow and send the data to the user’s dashboard, allowing them to analyze their portfolio and manage their cash flow better.

Vyzer also offers a free tier that was added in mid-2023. Users on the free tier can track up to three portfolios by linking up to three banks or brokerages. This feature is not a timed trial; users can track these portfolios forever and access a variety of tracking and performance tools.

Overall, Vyzer is an excellent financial management tool for higher net worth individuals with a diverse investment portfolio. With its ability to track assets that are not typically tracked by other tools, Vyzer provides a unique advantage to its users.

4. ProjectionLab

ProjectionLab is a financial planning tool that offers a range of features to help you plan for your future. Its deterministic projections, historical backtesting, simulations, and more make it one of the best-looking financial tools available.

The tool has three tiers, Basic (free), Premium ($9/mo), and Pro ($45/mo), with a seven-day free trial available. Basic allows users to experiment with the tool, but data cannot be saved unless they upgrade to Premium. Premium provides access to all non-financial advisor features of the tool, making it suitable for regular users.

ProjectionLab is an excellent alternative to Quicken, which primarily focuses on budgeting. This software, on the other hand, is more about financial planning, which is ultimately what we are all working towards. ProjectionLab can tell you if your savings and investments will help you achieve your goals, whereas Quicken focuses on spending and saving as a means to reach your goals.

However, if budgeting is essential for you, ProjectionLab may not be the right tool as it does not offer budgeting features.

To learn more about ProjectionLab, check out our review, which provides a detailed tour by the founder.

5. You Need a Budget (YNAB)

We highly recommend You Need a Budget (YNAB) as a powerful budgeting software that can help you build a budget that you can grow into. YNAB’s philosophy revolves around four rules: Give Every Dollar a Job, Embrace Your True Expenses, Roll With The Punches, and Age Your Money. These four pillars form the foundation for a budgeting app that has helped many people transform their financial lives and improve their spending habits.

YNAB is more than just a budgeting app that tracks your money. It helps you build a framework for growing your wealth. Think of it as Quicken with a personality and a philosophy.

One of the main reasons why YNAB is a good alternative to Quicken is that it not only tracks your budget, but it also helps you build a budget that meets the demands of your life and your savings needs. Sometimes, you need something more than an app that connects to your bank account. If you want to change the way you budget, while still tracking it, YNAB is your solution.

It’s important to note that YNAB is not an entire personal finance management suite. It focuses strictly on building, maintaining, and transitioning into the budget you want. You won’t get investment tools, retirement planning, or wealth management.

While YNAB was designed to be a budgeting tool, it does have limitations. It doesn’t help with broader financial needs like retirement, managing your investment portfolio, and the rest. However, to say it would be a better tool if it incorporated those would be ignoring how it has a straightforward and important mandate.

In conclusion, YNAB is an excellent budgeting software that can help you build a budget that you can grow into. It’s a great alternative to Quicken, especially if you want to change the way you budget while still tracking it. While it may not offer investment tools, retirement planning, or wealth management, it has a straightforward and important mandate that can help transform your financial life.

6. Lunch Money

When it comes to budgeting apps, Lunch Money is a fantastic option. It offers a sleek and user-friendly design, making it easy for users to navigate and track their finances.

One of the key features of Lunch Money is its ability to sync with bank accounts or upload CSVs with transaction data. This allows users to have all their financial information in one place. Additionally, the app allows for customization of transactions through splitting, grouping, tagging, and categorizing.

Setting a budget is simple with Lunch Money, and it integrates with transactions to provide users with a clear understanding of their spending habits. The app also includes a net worth calculator to track progress over time.

At $10 per month or $100 per year, Lunch Money is an affordable option for those looking to manage their finances. It also offers a 14-day trial for users to test out the app before committing.

Compared to Quicken, Lunch Money offers similar budgeting features at a lower cost. However, it does not include bill pay features that Quicken offers. Despite this, Lunch Money can still track recurring subscriptions and remind users of upcoming expenses.

Overall, Lunch Money is a great option for those seeking a budgeting app that is both affordable and easy to use.

7. CountAbout

CountAbout was created to serve as an alternative to Quicken, one of the most popular personal finance apps. The founders of CountAbout established the app in mid-2012, and it is one of the few personal finance apps that can import data from Quicken. If you’re concerned about losing all of your data when transitioning away from Quicken, CountAbout can feed your Quicken file into its system, making the transition much smoother.

CountAbout is not free, but it offers two subscription options: Basic and Premium. The Basic subscription costs $9.99, while the Premium subscription costs $39.99 and includes automatic transaction downloads. The subscription model ensures that you have complete data privacy, and you won’t be subjected to annoying ads like with other companies.

CountAbout offers many similar features to Quicken, such as split transactions, recurring transactions, attachments, and budgeting. Additionally, CountAbout is web-based and employs multi-factor account security, so you don’t need to download a program onto your computer, and syncing issues are eliminated. With CountAbout’s iOS and Android apps, your financial information is always at your fingertips.

Here are some key features of CountAbout that remind us of Quicken:

• Imports data from Quicken and Mint
• Thousands of financial institutions
• Multi-factor login protection
• Android and iOS apps
• Category customization (add, delete, rename)
• Tags (add, delete, rename)
• Reporting for Account balances
• Reporting for Category activity
• Reporting for Tag activity
• Report exporting
• Attachments
• Individual Account QIF importing
• Budgeting
• Running register balances
• Account reconciliation
• Graphs for Income & Spending
• Recurring transactions
• Investment balances by Institution
• Memorized transactions
• Split transactions
• Description renaming
• Invoicing

CountAbout’s features make it an excellent alternative to Quicken. If you’re looking for a personal finance app that is easy to use, secure, and offers many of the same features as Quicken, CountAbout is definitely worth considering.

8. Pocketsmith

Pocketsmith is a budgeting tool that uses a calendar-based approach to help users understand their spending habits. The tool provides a visual representation of transactions and helps users understand when and how often transactions occur.

Pocketsmith offers a freemium model with a free option that requires users to manually import transactions, set up 12 budgets, and project their finances for up to 6 months. The Foundation plan ($9.95/mo) includes automatic transaction importing, unlimited budgets, and projections for up to 10 years. The Flourish plan ($16.66/mo) offers additional features such as 18 connected banks, 18 dashboards, and projections for up to 30 years. The Fortune plan ($26.66/mo) provides unlimited accounts and projections for up to 60 years.

Overall, Pocketsmith offers a unique approach to budgeting by using a calendar-based system. However, users should carefully consider the pricing plans and features to determine which plan best fits their needs.

9. Mint

We regret to inform you that Mint will be removed from our list of recommended budgeting apps due to Intuit’s announcement that they will be shutting it down. Intuit acquired Mint in 2010 and later sold Quicken to H.I.G Capital. As a result, the end of Mint was near.

Despite its impending shutdown, Mint is still a good alternative to Quicken for those who focus solely on expense tracking and budgeting. Mint is a cloud-based app, so there is no need to download, patch, or update any software.

One of the most significant advantages of Mint is that it is entirely free. Mint does an excellent job of tracking expenses and creating budgets, making it a powerful tool for individuals who want to gain control over their finances. However, Mint does not provide much help with investment and retirement savings, which may be a significant limitation for some users.

If you’re looking for a budgeting app that’s powerful and free, Mint is an excellent choice. However, if you have investments and want to manage them, Mint may not be the best option for you. We recommend exploring other options that can adequately fulfill your needs.

10. Banktivity

Banktivity is a personal finance manager designed exclusively for MacOS. It allows users to import data from Quicken without losing any information during the transition. With Banktivity, you can manage your finances, including budgeting, tracking expenses, scheduling and paying bills, monitoring investments (including real estate), and pulling data from financial institutions.

The app also offers robust reporting options that report junkies will enjoy building, tweaking, and rebuilding. Banktivity has seamless mobile app synchronization, allowing you to access your financial data on iOS devices.

Banktivity is not free, and it offers annual subscriptions based on the level of service you want. The Bronze subscription starts at $49.99 per year, while the Gold subscription costs $99.99 per year.

Overall, Banktivity is an excellent personal finance app for MacOS users who want to manage their finances effectively.

11. MoneyDance

MoneyDance is a lesser-known option among the alternatives we have listed, but it stands out for its unique feature of not relying on the cloud. This makes it an ideal solution for those who are concerned about their data being stored online. MoneyDance allows you to link your accounts online, so it can pull your transactions automatically. However, it only stores them on your computer, ensuring that your data remains local.

The interface of MoneyDance resembles a checkbook, with a check register for transactions. Additionally, it offers charts and tables for reporting. MoneyDance provides budgeting features and can also track your investments, although not as extensively as other apps.

MoneyDance is free to download and try, and the free version includes all the same features as the paid version. However, the free version has a limitation of only allowing you to enter up to 100 manual transactions. The paid version costs $65, and if you want updates, then you can opt for a $99/year subscription.

In summary, MoneyDance is an excellent choice for those who value privacy and want to keep their financial data local. It offers a comprehensive set of features, including budgeting and investment tracking, at an affordable price.

12. EveryDollar

EveryDollar is a budgeting tool that follows the principles of zero-based budgeting, similar to YNAB. It is affiliated with Dave Ramsey’s group, the Lampo Group, and is designed to help users take control of their finances. The app is available on smartphones and comes in both free and paid versions.

With EveryDollar, you assign every dollar to a category, ensuring that every dollar has a job. This level of rigor can be refreshing or restricting, depending on your personality. The app’s interface is beautiful and user-friendly, making it easy to track expenses and stay on budget.

The paid version of EveryDollar costs $79.99 a year and offers phone support and automated transaction importing, which saves a significant amount of time. Without the paid version, users must manually enter their data.

EveryDollar is built with human psychology in mind, taking into account our biases and tendencies. It explains why ideas like the debt snowball work so well and why working with our natural inclinations is crucial to succeeding in our financial goals.

Overall, EveryDollar is an excellent budgeting tool for those who want to take control of their finances and work towards their financial goals.

13. GoodBudget

GoodBudget is a budgeting application that utilizes the envelope budgeting method, which is a widely-used personal finance technique. With this method, you allocate a specific amount of money for each spending category, and then spend it down each month. The “envelope” refers to the manual method of managing these types of budgets, where you put the money into an envelope and spend it as needed.

GoodBudget simplifies this process by adding technology to the mix, allowing users to sync their bank accounts and track their income and spending. You can set the amount for each category and monitor your spending as it approaches the limit each month. The app is available for both iOS and Android devices, making it accessible to a wide range of users.

Overall, GoodBudget is a free and user-friendly budgeting app that can help users keep track of their spending and stay within their budget.

14. GnuCash

GnuCash is a free open-source accounting software that can replicate a lot of the Quicken experience for those who are willing to scale the learning curve. It features double-entry accounting, which requires an adjustment if you’re not used to it. However, it offers a lot of the functionality of Quicken like splitting transactions, categorizing transactions, managing multiple accounts, schedule transactions, and reporting that includes all kinds of charts and reports like balance sheet, P&L, and portfolio valuation.

One of the significant benefits of GnuCash is that it does budgeting as well as investments. It’s not strictly a budgeting tool. It offers QIF importing, so you can import your Quicken files, plus OFX (Open Financial Exchange) protocol. So you can pull in your data if your bank offers you the ability to export transactions.

In summary, GnuCash is a great alternative to Quicken for those who want a free and open-source accounting software that offers a lot of the same functionality. It may require some adjustment, but it’s worth considering if you’re looking to save money on accounting software.

15. Dollarbird

Dollarbird is a personal finance app that aims to simplify financial planning and budgeting. With Dollarbird, we can synchronize our banking, brokerage, and credit card accounts to create a schedule of future income and expenditures. The app offers a 5-year financial plan to help establish long-term financial goals and track performance against them.

One of the unique features of Dollarbird is its calendar-based money management system. This allows us to manage our finances according to a monthly calendar and plan our expenses accordingly. Additionally, we can collaborate with others, such as partners, family, or a team, to manage a team budget with the Pro version of the app, which costs $39.99 per year.

Overall, Dollarbird is a useful tool for those looking to simplify their financial planning and budgeting process. Its collaborative features and calendar-based system make it a standout option among personal finance apps.

16. MoneyWiz

MoneyWiz is a budgeting tool that has been around since 2010 and supports a wide range of operating systems, including Windows, Android, and iOS devices like the iPhone and iPad. It offers real-time syncing across all devices, making it easy to track your finances on the go.

One of the standout features of MoneyWiz is its integration with over 16,000 banks in 51+ countries, including support for cryptocurrencies. If you’re concerned about importing data from your financial institution, you can manually enter data as well.

MoneyWiz offers a range of budgeting options, including multi-level categories and the ability to add your own subcategories. You can also split transactions, bulk edit, tag, and create powerful reports. While it doesn’t pay your bills for you, it does offer notification features.

MoneyWiz is a freemium product, with the free version offering all the functionality except for syncing across multiple devices and automated transaction downloads. To access these features, you need to purchase either the Standard ($29.99) or Premium ($49.99/yr or $4.99/mo) version.

Overall, MoneyWiz is a powerful budgeting tool that offers a range of features to help you manage your finances. With support for a wide range of operating systems and integration with thousands of banks, it’s a great choice for anyone looking to take control of their finances.

17. PocketGuard

PocketGuard is a budgeting app that consolidates all of your financial accounts in one place, including credit cards, checking and savings accounts, investments, and loans. This provides a complete picture of your finances, which is essential for effective budgeting. The app’s strength lies in its ability to update and categorize your spending in real-time, providing you with opportunities to save money.

The app creates a personalized budget for you based on your spending habits and the goals you set for yourself. PocketGuard has both a free and a Plus version. The free version is suitable for tracking expenses and monitoring them. The Plus version, which costs $3.99 per month or $34.99 per year, offers additional features like custom categories and the ability to track cash transactions, such as bills and income.

PocketGuard’s comprehensive financial management capabilities make it an excellent alternative to Quicken. With its real-time tracking and personalized budgeting features, PocketGuard is a reliable tool for managing your finances.

Quicken Alternatives Frequently Asked Questions

At times, Quicken may not be the ideal personal finance tool for everyone. Fortunately, there are several Quicken alternatives available in the market. Here are some frequently asked questions about Quicken alternatives:

What are the best free Quicken alternatives?

Personal Capital is the best free Quicken alternative that offers budgeting and wealth management tools. It provides both of these services in one place, which makes it an ideal choice for people who want to manage their finances effortlessly. Additionally, Personal Capital also offers an advisory service to help you with your investments.

Is Quicken available without subscription?

No, Quicken is now a subscription-based service that costs anywhere from $41.88 to $107.88 per year. Quicken Starter is the cheapest plan, while Quicken Home & Business can be as much as $107.88 per year. However, there are often sales and discounts available. Still, with so many free alternatives, you may not want to pay.

Do any Quicken alternatives offer Bill Pay features?

Unfortunately, no alternatives let you pay bills through Quicken. However, tools like Tiller and You Need a Budget offer tools to help you manage your bills and bill payments, so you don’t miss them. Although you can’t make the payments like Quick Pay or Check through any of these tools, you have to execute them yourself.

What happened to Quicken Online?

Intuit created Quicken Online to compete with Mint, but they gave up and acquired Mint in 2009. Afterward, they shut down Quicken Online and sold the entire Quicken unit to H.I.G. Capital in 2016. Quicken Online no longer exists. Quicken does have an online experience, but it’s not free and still playing catch up.

What is the best non-cloud-based Quicken alternatives?

Many of the best Quicken alternatives are cloud-based, but some people prefer non-cloud-based options. Moneydance Personal Finance is one alternative that is a local program and stores your financial data locally. It still has the functionality of pulling data from hundreds of financial institutions, so it will still save you time. Tiller is another tool that integrates with a Google Sheet (which is cloud-based) and Microsoft Excel (which is local). They do store some of your information, but it’s not like other services that contain the credentials and the data.

Which Quicken alternatives work on Mac?

Any cloud-based alternative will work on both PC and Mac. It’s cloud-based, so they work in your browser, which makes them operating system agnostic. If you want a piece of personal finance software designed specifically to run on Macs, Banktivity is your best option. It’s one of the few personal finance applications built specifically for the MacOS, and it has the richest feature-set. Most importantly, especially if you use an iPhone or iPad, it seamlessly integrates among the three.

What is a good accounting software alternative to Quickbooks?

GnuCash is often cited one of the most powerful Quickbooks and Quicken alternatives. The icing on the cake is that GnuCash is also free. It has a lot of features present in accounting software, like double-entry accounting and small business accounting. Many people have success using it as a personal accounting software package. It’s a software program you download and install locally, which means it’s not cloud-based, and it’s completely free.

Will Quicken be discontinued?

It’s extremely unlikely that Quicken will be discontinued. They have retired older versions of the software and given users a path towards upgrading to their subscription product. However, it’s now owned by private equity firms, and they’re unlikely to shut down Quicken given how much they’ve invested in buying it.

What are the top budgeting software alternatives for Quicken users on Mac?

If you’re a Quicken user on Mac, there are several budgeting software alternatives available to you. Some of the top options include Mint, Personal Capital, and YNAB. Each of these programs offers budgeting tools, expense tracking, and financial planning features to help you manage your money effectively.

Which free personal finance tools are comparable to Quicken?

If you’re looking for a free personal finance tool that is comparable to Quicken, there are several options available. Some of the most popular free tools include Mint, Personal Capital, and GnuCash. Each of these programs offers budgeting and financial management tools, as well as the ability to track expenses and manage investments.

How does Simplifi compare to Quicken in terms of features and usability?

Simplifi is a newer personal finance tool that has been gaining popularity in recent years. It offers many of the same features as Quicken, including budgeting tools, expense tracking, and investment management. However, Simplifi has a more modern interface and is easier to use than Quicken, making it a great alternative for those who are looking for a more streamlined financial management experience.

Can you recommend a bill pay service that serves as an alternative to Quicken?

If you’re looking for a bill pay service that serves as an alternative to Quicken, there are several options available. Some of the most popular services include Bill.com, PayTrust, and Check. Each of these services offers online bill payment and management tools, as well as the ability to track and manage your expenses.

What are some non-subscription-based financial management tools similar to Quicken?

If you’re looking for a non-subscription-based financial management tool similar to Quicken, there are several options available. Some of the most popular options include GnuCash, Moneydance, and AceMoney. These programs offer budgeting tools, expense tracking, and investment management features, and are great alternatives for those who don’t want to pay a monthly subscription fee.

How does Microsoft Money stack up against Quicken for personal finance management?

Microsoft Money is a personal finance management tool that is similar to Quicken in many ways. It offers budgeting tools, expense tracking, and investment management features, as well as the ability to manage your bills and bank accounts. However, Microsoft Money is no longer supported by Microsoft, so it may not be the best long-term solution for those who are looking for a reliable financial management tool.

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