For a few years, Quicken was probably the greatest private finance budgeting and invoice administration software program applications. However nowadays, extra fashionable budgeting instruments exist. They join seamlessly together with your financial institution accounts, bank cards, and funding apps utilizing the most recent expertise.
I used to be as soon as an enormous fan of Quicken, however let’s face actuality — it is now not the highest budgeting app in the marketplace — removed from it. If you happen to’re in search of a Quicken various, we tried a number of choices, and listed here are our favorites.
1. Empower
Key Function: Free monetary dashboard and wealth planner
- Pricing: Free
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Empower is a wonderful budgeting app for many who need to construct wealth. It gives a free Private Dashboard that lets you observe your web value, your monetary accounts, and your funds. It’s also possible to earn a excessive APY in your financial savings via Empower’s no-fee Private Money account and make the most of Empower’s wealth administration companies in case you have a portfolio steadiness of $100,000 or extra. With Quicken, I usually 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 record, nevertheless it’s the way in which to go in case your precedence is monitoring your investments and web value.
Execs
- Free to make use of
- Highly effective web value tracker
- Wealth administration accessible
Cons
- There are higher budgeting instruments
2. Tiller Cash
Key Function: Spreadsheet automation for full customization
- Pricing: $79 per yr
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Be taught extra about Tiller Cash
If you happen to’re a fan of utilizing spreadsheets to funds, you may need 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 information for you and put it right into a Google Sheets or Microsoft Excel doc. Whereas Quicken gives loads of options out of the field, I discover Tiller to be extra customizable.
You can begin with one in all Tiller’s free templates or construct your individual, however after the preliminary work, you may have a totally automated spreadsheet tailor-made to your wants. You should utilize this to trace your web value and set budgets. If there is a disadvantage, it is that it helps to be considerably snug with the fundamentals of spreadsheets (or want to be taught).
To be taught extra, learn our full Tiller Cash assessment.
Execs
- Spreadsheet-based budgeting
- Gives versatile templates
- Monitor spending at a look with the Spending Tendencies sheet
- 30-Day free trial
Cons
- It has extra of a studying curve than another apps
Be taught extra about Tiller Cash
3. Vyzer
Key Function: Subtle asset monitoring for greater web value customers
- Pricing: $0 to $149 month-to-month
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Vyzer is a monetary dashboard and administration system designed for high-net-worth people who handle quite a lot of funding accounts. One limitation of instruments like Quicken is that it is difficult to trace property that do not match neatly into one in all its integrations (and even then, typically the integrations do not work).
With Vyzer, you may observe property that aren’t held neatly in a brokerage or checking account. They provide a service the place you may add any type, and they’ll parse it and add it to your property. Do you personal rental properties? In that case, do you discover it troublesome to trace money movement? With Vyzer, they’ll do it for you and ship that information to your dashboard.
Nobody else gives this. This lets you analyze your portfolio, handle your money movement, and do all the mandatory evaluation as a result of these property are actually 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 without end with entry to lots of their monitoring and efficiency instruments.
Execs
- Free tier accessible
- In a position to seize property not held in typical brokerage or checking account
- Highly effective instrument is appropriate for high-net-worth people
Cons
- Elite model is expensive ($149/month)
- Not ultimate for newbies
4. ProjectionLab
Key Function: Beautiful monetary planning and forecasting instrument
- Pricing: $0 to $49 month-to-month
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: No
Be taught extra about ProjectonLab
ProjectionLab is without doubt one of the best-looking monetary instruments I’ve ever seen. It is a monetary planning instrument 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 – Primary (free), Premium ($9/month), and Professional ($45/month), when paid yearly. Primary permits you to mess around with the instrument however won’t save your information until you improve to Premium. Premium offers you entry to each non-financial advisor characteristic of the instrument (all the pieces an everyday individual would wish).
The place Quicken focuses on spending and saving to achieve targets, ProjectionLab can inform you if that saving (and the way you might be invested) will show you how to obtain these targets. Notice that Projection Lab isn’t a budgeting instrument, so it won’t be a great various if that is necessary to you.
Our assessment of ProjectionLab goes into a lot higher element, together with a tour by the founder.
Execs
- Glorious monetary planning instrument
- Inexpensive – free model and Premium is just $9/month
- Full of projection and simulation instruments, together with Monte-Carlo and Sankey Money-Movement
Cons
- To save lots of information, should pay for a Premium subscription
- Not a budgeting instrument
Be taught extra about ProjectonLab
5. You Want a Price range (YNAB)
Key Function: Greatest-in-class budgeting instrument
- Pricing: $14.99 month-to-month, $99 yearly
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Be taught extra about You Want a Price range
You Want a Price range is highly effective budgeting software program that may show you how 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 character 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 type the inspiration for a budgeting app that has helped many individuals rework their monetary lives and enhance their spending habits. If you wish to transition to a monetary instrument that may show you how to do extra than simply file bills, you need to take a look at YNAB.
For extra info, learn our You Want a Price range assessment.
Execs
- Highly effective zero-based budgeting app
- May help you enhance your spending habits
- Automated financial institution syncing
- 34-Day free trial
Cons
- Does not supply a free plan
- Dearer than some alternate options
- No invoice monitoring
Be taught 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
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Be taught extra about Simplifi
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 count on in a budgeting app—monitoring spending, setting a funds, setting financial savings targets, and detailed reviews of earnings 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 accessible. Notice that whereas Simplifi gives a “Invoice Join” characteristic that allows you to view your payments, there is no strategy to pay for them via the app.
For extra info, learn our full Simplifi assessment.
Execs
- Inexpensive
- Intuitive app is straightforward to make use of
- Syncs to 1000’s of monetary establishments
- Share your account with associate, advisor, and so on.
Cons
- Lacks in-depth funding monitoring
- No Invoice Pay characteristic
7. Lunch Cash
Key Function: Superbly designed budgeting app
- Pricing: $10 month-to-month or $100 per yr
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Be taught extra about Lunch Cash
Lunch Cash is a superbly designed budgeting app that does one factor very nicely – funds. You’ll be able to sync your financial institution accounts or, in case you favor, add CSVs together with your transaction information. If you happen to’re a programmer, it’s also possible to make the most of their developer API. As soon as your information is in Lunch Cash, you may cut 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 provide you with an concept of the place you might be.
Lastly, a web value calculator may help you perceive your progress. Lunch Cash is cheaper and simpler to make use of than Quicken. That mentioned, it lacks the invoice pay options Quicken gives, although it will probably observe recurring bills and allow you to know when payments are due. Maybe the most important knock in opposition to Lunch Cash is that they do not have a cell app for iOS or Android. Their web site can be utilized on a pill or cell machine, nevertheless it’s not ultimate.
Lunch Cash prices $10 per thirty days or $100 per yr and has a 14-day trial. Be taught extra in our full Lunch Cash assessment.
Execs
- Automated financial institution syncing
- Glorious options for organizing transactions
- Features a web value calculator
- Tracks recurring bills
Cons
- No free model
- No cell app
- No Invoice Pay characteristic
Be taught extra about Lunch Cash
8. CountAbout
Key Function: Can import information from Quicken
- Pricing: $9.99 to $39.99 per yr
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Be taught extra about Countabout
CountAbout was designed as a Quicken various. Based in mid-2012, it is without doubt one of the solely private finance apps that may import information from Quicken. If you wish to transition away from Quicken however fear about dropping all of your information, 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 Primary subscription and $39.99/yr for the Premium subscription. The Premium subscription contains computerized transaction downloads. A subscription mannequin means you will have full information 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 laptop, 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 all the time at your fingertips.
Execs
- You’ll be able to import your Quicken information
- 45-day free trial is longer than most apps
- Automated account syncing
Cons
- No free model
- No Invoice Pay choices
- Minimal funding monitoring
Be taught extra about Countabout
9. Pocketsmith
Key Function: Price range planner, calendar, and projector
- Pricing: $9.99 to $26.66 month-to-month
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Be taught extra about Pocketsmith
Pocketsmith is a freemium budgeting instrument that makes use of calendars and “event-based budgeting.” Being calendar-based signifies that somewhat than viewing your transactions as merely an extended record of transactions, the calendar helps you perceive when these transactions are occurring and if they’re doing so often. This helps inform you about your spending and is without doubt one of the extra visible methods when in comparison with others on this record.
PocketSmith has a free choice that lets you manually import transactions, 12 budgets, 2 accounts, and projections for six months out. Basis, $9.95 per thirty days, 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 linked banks, dashboards, and 30 years of projections. Fortune is $26.66 month-to-month and gives limitless accounts and 60 years of projections.
For extra particulars, take a look at our full Pocketsmith assessment.
Execs
- Gives 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
Be taught extra about Pocketsmith
10. Banktivity
Key Function: Native Mac utility
- Pricing: $49.99 to $99.99 per yr
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Be taught Extra About Banktivity
Constructed particularly for MacOS, Banktivity is a private finance cash supervisor that imports information from Quicken, so you do not lose something within the transition course of. It’s going to do all the pieces 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 information from monetary establishments.
It additionally has some highly effective reporting choices that, in case you’re a report junkie, you’ll in all probability actually get pleasure from constructing, tweaking, and rebuilding. All that is additionally doable throughout iOS gadgets with seamless cell app synchronization.
It’s not 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.
Execs
- Very best for Mac customers
- Can necessary information from Quicken
- Schedule and pay payments
- Monitor investments (together with actual property)
- 30-day free trial
Cons
- No free model
- Not accessible on Home windows – Mac solely
- Pricier than some apps
Be taught Extra About Banktivity
11. MoneyDance
Key Function: Not cloud-based
- Pricing: One-time value choice of $65, or $9.00 month-to-month, $90 yearly
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Be taught Extra About MoneyDance
MoneyDance isn’t as nicely generally known as another apps on our record 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 information on-line, this resolution retains your information native to your laptop.
You’ll be able to nonetheless hyperlink your accounts on-line, which pulls your transactions mechanically, however they solely retailer them in your laptop. You’ll be able to enter transactions manually in case you do not need to hyperlink your accounts.
MoneyDance seems to be and looks like a checkbook, with the test register for transactions, however has charts and tables for reporting. It does budgeting however can even 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 in order for you updates). The free model has all the identical options because the paid model, however you may solely enter 100 handbook transactions.
Execs
- Does not retailer info on the cloud, which is able to attraction 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
Be taught Extra About MoneyDance
12. EveryDollar
Key Function: Follows Dave Ramsey’s Child Steps
- Pricing: $17.99 month-to-month or $79.99 yearly
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Be taught Extra About EveryDollar
Have you ever heard of Dave Ramsey? Many of us 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 stage of rigor that may be refreshing or proscribing, relying in your character. The app is gorgeous, accessible in your smartphone, and has a free and paid model. The paid model prices $79.99 a yr.
Notice: The paid model gives telephone assist and automatic transaction importing, which is an enormous time-saver; in any other case, you need to manually enter the information.
Execs
- Makes use of rules of zero-based budgeting
- App is visually interesting
- Automated account syncing
- 14-day free trial
Cons
- Paid model is dearer than some alternate options
- No Invoice Pay
- No funding monitoring
Be taught Extra About EveryDollar
13. GoodBudget
Key Function: Follows the envelope budgeting methodology
- Pricing: $0, $10/month, or $80/yr
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Be taught Extra About GoodBudget
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 one of the vital fashionable 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 expertise to the combo and synchs up financial institution accounts to assist observe your earnings and spending. You set the quantity for every class and watch as your spending nears the month-to-month restrict. It is accessible for each iOS and Android telephones.
Execs
- Free model
- Very best for envelope-based budgeters
- Web value monitoring
- Automated account syncing (paid model)
Cons
- No funding monitoring
- Free model is restricted
Be taught Extra About GoodBudget
14. GnuCash
Key Function: Open-source and free
- Pricing: Free
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: No
GnuCash is free open-source accounting software program that, in case you’re keen to place within the work, can replicate quite a lot of the Quicken expertise for these keen to scale the educational 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 in case you’re not used to it.
It gives lots of Quicken’s performance, reminiscent of splitting and categorizing transactions, managing a number of accounts, scheduling transactions, and reporting that features charts and reviews (steadiness sheet, P&L, portfolio valuation, and so on.).
Its huge benefit is that it will probably deal with budgeting and investments, so it is not strictly a budgeting instrument.
Lastly, it gives QIF importing to import your Quicken information, plus OFX (Open Monetary Alternate) protocol. This implies you may pull in your information in case your financial institution gives the flexibility to export transactions.
Execs
- Free
- Budgeting
- Invoicing instruments
- Does 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
- Web Value Monitoring: Sure
- Automated Syncing: No
Be taught Extra About Dollarbird
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 earnings and expenditures that can assist you plan. Dollarbird additionally gives a five-year monetary plan to determine longer-term monetary targets 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 associate, member of the family, or a workforce) to handle a workforce funds, although the collaborative piece requires the Professional model ($39.99 / yr).
Execs
- Inexpensive pricing
- Helps collaboration with members of the family
- Set long-term monetary targets with 5-year plan
Cons
- No computerized account syncing
- Free model is restricted
Be taught Extra About Dollarbird
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
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Be taught Extra About MoneyWiz
MoneyWiz has been round since 2010. It helps nearly each working system you may think about—all the pieces 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 instrument that integrates with 16,000+ banks in 51+ nations, together with cryptocurrencies. If importing out of your monetary establishment considerations you, you may manually enter information, and it really works simply as nicely. For budgeting, you may work with their classes (that are multi-level) or add your individual (and subcategories). You’ll be able to cut up transactions, bulk edit, tag, and create highly effective reviews. 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, you need to purchase the Commonplace plan ($29.99 per yr) or Premium ($49.99 per yr or $4.99 per thirty days).
Execs
- Inexpensive pricing
- Helps cryptocurrencies
- Web value monitoring
- Automated syncing
Cons
- Free model is restricted
- Variety of accessible options would possibly overwhelm new budgeters
Be taught Extra About MoneyWiz
17. PocketGuard
Key Function: Freemium budgeting-focused app
- Pricing: $155.99 per yr ($74.99 billed yearly)
- Budgeting: Sure
- Web Value Monitoring: Sure
- Automated Syncing: Sure
Be taught Extra About PocketGuard
PocketGuard is a simple 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 save lots of. Utilizing your spending, it additionally builds a customized funds primarily based in your information and the targets you set for your self.
They’ve a free model and a Plus model. The free model has all the pieces it’s good to observe your bills and regulate them. Plus permits you to so as to add customized classes and observe money transactions like earnings and payments. Pricing is $155.99/yr in case you pay month-to-month or $74.99 billed yearly (50% financial savings)
Execs
- Free model
- Automated syncing
- Glorious budgeting options
Cons
- Free model is restricted
- Web site is cumbersome to navigate
Be taught Extra About PocketGuard
What to Look For in a Budgeting App
Your alternative of budgeting app will rely in your budgeting fashion and the options which might be most necessary to you. For instance, in case you favor to observe a zero-based method to budgeting, you may seemingly be drawn to an app reminiscent of YNAB or EveryDollar. If you happen to love spreadsheets, Tiller Cash would possibly attraction to you. That mentioned, 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 all the course of simpler and saves you from having to manually add your account information. Web value monitoring goes past fundamental budgeting, nevertheless it’s an necessary monetary measurement. As such, it is good if you may 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 the entire options, in case you simply need a easy funds, most free variations have sufficient functionality to get the job finished.
What Is the Greatest Free Different to Quicken?
We contemplate Empower Private Dashboard to be the perfect free Quicken various as a result of it gives budgeting and wealth administration instruments. Whereas many different instruments supply one or the opposite, Private Capital gives each, so you may get it multi functional place. In addition they supply 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 top of 2009, they gave up and purchased Mint. Afterward, they opted to close down Quicken On-line and bought all the Quicken unit to H.I.G. Capital in 2016. Quicken On-line now not exists however you may strive Simplifi by Quicken as a substitute.
Any cloud-based various 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’d like private finance software program designed particularly for Macs, Banktivity is your only option. It is one of many few private finance purposes 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 probably 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 title), however non-public fairness companies now personal it, and so they’re unlikely to close down Quicken given how a lot they’ve invested in shopping for it.
Abstract
If you happen to’re now not thrilled with utilizing Quicken to handle your funds, together with your funds, there are various alternate 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 sturdy budgeting options. In the end, you may slender your alternative by making a listing of “must-have” options. From there, evaluate pricing and every other useful options that may show you how to make a remaining alternative.
