10 Best Quicken Alternatives in 2021 To Try Out For Bills and Budget
Looking for financial software other than quicken?
If you’re in the market for Quicken alternatives, this article lends a hand in checking out alternative options that are available to everyone.
10 Quicken Alternatives For Budgeting in 2021
Before web-based personal finance tools, Quicken was one of the best personal finance took for budgeting and bill management. The software helped you pull up all your financial information, organized your bills and also helped you pay for those bills. However, the main “downside” was that you had to pay for it. These days, there seem to be more downsides than just payment when compared to other companies that brought new offers, built from the ground up, and took advantage of the technology available.
Competitors not only used the foundation of Quicken, but they also used codes that run faster, syncs seamlessly with other financial companies, and just has fewer bugs and issues doing regular tasks. Most importantly, many are free for customers to use!
Other downfalls with Quick include:
Breaking down a lot, it doesn’t sync your accounts sometimes, you have password problems, screens that should appear are blank or lag, and it’s just not a great user experience. So if you’re tired of Quicken, its support and sync issues, and want a suitable free alternative or replacement – we have some options. Here are 10 Quicken alternatives available:
1. Personal Capital: Free financial dashboard and wealth planner
Bill Harris is the former CEO of Intuit that used to own Quicken so you know he has the leadership skills and the ability to lead teams to build financial systems that are top-notch.
If you’re keen at looking to see how your investment account is performing, estimating whether you can retire ( a tool that helps you project your future financial needs and whether you’ll get there), or see your expenses, Personal Capital is a great Quicken alternative that does all that. It is a full-featured, free, personal finance management tool that does the basics of managing your finances but it also helps you build wealth and track your progress (it’ll also pull your credit card transactions so you will know how much you spent on groceries if you want!).
To access Personal Capital you need a web browser or use an app on your phone. The budgeting service is free because they also offer wealth management (or you can just choose to use the tools) and those fees help pay for the maintenance and service of the tools. This also means you won’t be annoyed with advertisements like the ad-supported tools.
Personal Capital vs Quicken:
- Personal Capital is better than Quicken because it’s updated regularly, has a rich set of tools for investment and retirement, and it has a budget and expense tracking component. While not technically personal finance software, it’s a website and not an application so there’s nothing to download and patch or update (ugh) – that’s all done automatically.
- The budget and expense tracking software are not as outdated or old as Quicken so they aren’t that complex in build. You can’t, for example, manage your payments through Personal Capital but people with really complicated budgets may find it difficult.
2. CountAbout: Can import data from Quicken
In the market for Quicken alternatives, CountAbout is one of the best. Check out the key features of this Quicken alternative:
- 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
- Individual Account QIF importing
- Running register balances
- Account reconciliation
- Graphs for Income & Spending
- Recurring transactions
- Investment balances by Institution
- Memorized transactions
- Split transactions
- Description renaming
CountAbout started in 2012 so it’s quick new and is one of the only personal finance apps that will import data from Quicken. Therefore, if you’re looking to shift away from Quicken but are worried about losing all your data, you can feed it your Quicken file and it’ll populate itself. That’ll make the transition far less difficult.
Like Quicken, CountAbout needs to be paid for as it is priced at $9.99 for the Basic subscription and costs $39.99 for a Premium subscription. The Premium subscription includes automatic transaction downloads. A subscription model ensures total and complete data privacy and you won’t get annoying advertisements either.
CountAbout vs Quicken:
- CountAbout has a lot of similar features to Quicken such as recurring transactions, split transactions, attachments, budgeting, and more.
- CA is also a web-based software application with multi-factor account security, so you don’t have to download a program onto your computer. All you need is a web browser because there’s no need to deal with unwieldy syncing issues. And with CountAbout’s iOS and Android apps, your financial information is always at your fingertips.
3. Tiller: Spreadsheet automation for full customization
Another great Quicken alternative is Tiller which supports MS Excel one of the most popular personal finance tools out there. Spreadsheets are always customized and tweaked by Excel enthusiasts to exactly what they need but the only downside to spreadsheets is the need to pull the data yourself. Quicken was great back in the day when there weren’t nearly as many sync issues because it pulled the data for you, but you can just as easily shift to Tiller.
This tool is priced at $6.58 a month service ($79 per year after a free 30-day trial) – that is efficient in extracting your data for you and puts it into a Google Sheets or Microsoft Excel document.
Begin effortlessly with one of their free templates or you can customize your own, and after this initial stage, you’ll have a fully automated spreadsheet tailored to what you need. You can use this to track your net worth, retirement plans, set a budget, or anything else you can think of.
Tiller vs Quicken:
- Quicken is now cloud-based so if you want to avoid putting your data into the cloud, going with a spreadsheet is the easiest solution for privacy.
- Tiller makes it possible for you to get automation in addition to keep your data locally.
4. You Need a Budget (YNAB): Best in class budgeting tool & mindset
You Need a Budget is a powerful budgeting software but it also can help you build a budget that you can grow into – it does more than track your money. This company’s philosophy revolves around four rules:
- Give Every Dollar a Job
- Embrace Your True Expenses
- Roll With The Punches
- Age Your Money
Those four form the foundation for a budgeting app aiding many people to transform their financial lives and improve their purchasing habits. If you’re looking for quicken alternatives that will help you (make the change, not just record expenses), you should simply take a look at YNAB.
YNAB vs Quicken:
- Quicken only tracks your budget where the YNAB software app does that AND 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 transform the way you budget, while still tracking it, YNAB is a great way to do so.
- YNAB is not an entire personal finance management suite as it usually focuses on budgeting and only budgeting. For example, you won’t get investment tools, retirement planning, or wealth management options as it is strictly about building, maintaining, and transitioning into the budget you want.
5. HomeBudget: Beautiful color-coded budgeting app
Next up on our list of quicken alternatives is the HomeBudget which is a beautiful looking budgeting app. In terms of function, it is an expense tracker that will track your income, expenses, and account balances – and not limited to bills that will be due in the future. Once your bills are paid, they shift over to becoming expenses, in a transition that looks aesthetically beautiful.
There is a family sync feature that allows you to sync up the budgets on multiple devices so you share and exchange budgeting information. They also have reporting features so you can see your trends over the last six months, charts that break down your spending and saving, plus exporting those reports and data via email or WiFi.
It’s available for iOS ($4.99) and Android ($5.99) devices.
HomeBudget vs Quicken:
Very aesthetically pleasing and well designed compared to Quicken. Neither of these two is free, but on HomeBudget, there is a “lite” version that you can use for free to see if you like it.
6. Pocketsmith: A budget planner, calendar, and projector
Pocketsmith is a freemium event budgeting tool that uses calendars and the concept of “event-based budgeting.” Being calendar based means that rather than perceiving your transactions to be a huge long list of transactions, the calendar helps you understand when those transactions are happening and if they are doing so on a regular basis. This financial tool will inform you about your spending and in one of the more visual ways out there, it beats the market.
It’s freemium with the Basic option giving you 12 budgets, 2 accounts, and the ability to project 6 months into the future. However, upgraditaion comes with added benefits where you get automatic transaction importing (you can still do it manually if you wish) as well as categorization of spending. This is available at the Premium level, which is priced at $9.95 per month, or $7.50 when you pay annually. You also get unlimited accounts and projection out to ten years. Another upgrade called the Super is priced at $19.95 per month or $14.16 when paid annually, gives you unlimited accounts and a 30 years projection.
Pocketsmith vs Quicken:
Calendering your budget helps you understand when transactions are happening on a regular basis, visually pleasing, and helps to project your budget for years to come all in one tool.
7. Banktivity: Made for MacOs
Built specifically for macOS, Banktivity is another Quicken alternative that will import data from Quicken so you don’t lose anything in the transition process. Mac users will find this personal finance money manager that will do everything you want in a personal finance app, including budgeting, track spending, schedule and pay bills, monitor your investments (including real estate), and pull data from financial institutions.
It also has some powerful reporting options that, if you’re a report junkie, you will probably really enjoy building, tweaking, and rebuilding. All this is also possible across iOS devices with seamless mobile app synchronization.
Banktivity vs Quicken:
Banktivity is not a free tool as it is priced at a one-time fee of $69.99 but there is a 30-day trial (no credit card required).
8. EveryDollar: Follows the principle of zero-based budgeting
EveryDollar is a budgeting tool affiliated with Dave Ramsey’s group, the Lampo Group.
Many folks swear Dave Ramsey’s approach towards financial management and this Quicken alternative, EveryDollar, is built with that in mind. His approach takes into account human psychology instead of relying solely on math and uses our biases and tendencies in order to succeed.
This is perhaps why it is so effective and explains why ideas like the debt snowball and snowball in many cases.
Much like YNAB, it’s a budgeting tool that uses the principles of zero-based budgeting. In this type of budgeting, you assign every dollar to a category (or job, in YNAB parlance). This type of management can either be refreshing or restricting, depending on your personality.
The app itself is beautiful, available on your smartphone, and there is both a free and paid version. The paid version costs $129 a year and offers phone support and automated transaction importing… which is a big time-saver; otherwise, you must manually enter the data)
EveryDollar vs Quicken:
Totally different principles as it is based on zero-based budgeting.
9. Wally: Completely free budgeting app
Next up on our list of Quicken alternatives is Wally which is a tool that can only handle budgeting.
A lot of Quicken users begin their journey to help them understand their spending. It isn’t until your savings start growing that the investment portion becomes a bigger and bigger piece of the financial picture. If that describes you and budgeting is what you care the most about, Wally may be for you.
Wally is a beautifully designed app that helps you track your spending and understand your budget. Users have reported a few hiccups with the interface but if you get over the learning curve, and are OK with not having automatic transaction downloads, it’s worth a try.
Wally vs Quicken:
Wally is free which is why they can’t offer automatic transaction downloads. One could argue that manually entering them puts you closer in touch with your spending habits.
10. PocketGuard: Freemium budgeting focused app
PocketGuard is a fairly simple budgeting app that links your credit cards, checking and savings accounts, investments, and loans all in one place. It has a complete picture (or at least what you tell it) of your finances but its strengths are in the budgeting – how it updates and categorizes your spending as it happens and looks for opportunities to save. Using your spending, it also builds a personalized budget based on your data as well as the goals you set for yourself.
PocketGuard vs Quicken:
PocketGuard has a free version and a premium Plus version. The free version has all that you need for tracking your expenses and keeping an eye on them. Plus allows you to add custom categories, track cash transactions like income and bills. Plus is priced at $3.99 per month or $34.99 per year.
FAQs about Quicken Alternatives
1. What happened to Quicken Online?
Intuit created Quicken Online to try to compete with Mint which is another personal finance software.
Near the end of 2009, they quit on that plan and instead acquired Mint. Afterward, they opted to shut down Quicken Online and sold the entire Quicken unit to H.I.G. Capital in 2016. Quicken Online thus no longer exists. But it’s sibling Quicken does have an online experience, something they’ve only recently created to appease their customers but it’s not free and it’s playing catch up.
2. What are the best non-cloud-based Quicken alternatives?
Some of the best tools out there are cloud-based and many on this list store your information online. If they are somehow compromised, they potentially could leak your data. They have a lot of security protocols in place to prevent this type of thing, but nothing is 100% safe. The ones that do not store your data in the cloud are less powerful, but … they don’t store your data in the cloud.
Moneydance Personal Finance (not featured above) is often cited as one alternative that is a local program and stores your financial data locally. This personal finance software still has the functionality of pulling data from hundreds of financial institutions so it will still save you time.
Tiller (featured on our list) is a tool that integrates with a Google Sheet (which is cloud-based for OS to access) and Microsoft Excel (which is local). They do store some of your information since they have to get the credentials to pull your data but it’s not like other services that contain the credentials and the data.
3. What is a good accounting software alternative to Quickbooks?
In terms of accounting software, GnuCash is often brought up as a powerful and free alternative to Quickbooks and Quicken.
This finance management tool has a lot of features present in accounting software, like double-entry accounting and small business accounting, but many folks have found it rather useful as a personal accounting software package. This software program allows you to download and install locally, which means it’s not cloud-based. Lastly and positively, it’s completely free.
4. Which Quicken alternatives work on Mac?
Any cloud-based alternative should be able to function on the PC and a Mac. Since cloud-based tools work in your browser, it makes the operating system agnostic.
That being said, if you want a Quicken alternative that is a personal finance software designed specifically to run on Macs, Banktivity is one of the best options. Featured in our list, it is 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.