What are the disadvantages of Quicken?

Some reviews claim that Quicken is not user-friendly. Additional disadvantages may be that it cannot function for double-entry accounting processes and lacks scalability for a growing small business. There is no online full version, so it can only be used on the computer where it has been downloaded and configured. The mobile app has limited features.

Can I still use my Quicken without a subscription?

If your subscription expires, you will not lose your data and you will still be able to use it, albeit with limited functions. Certain online features may not be available so users may need to perform these processes manually. Data in the Starter version will be read-only, while upgraded versions will still have read/write capabilities.

Is it safe to link a bank account to Quicken?

Yes, because financial data is encrypted. Additionally, IDs, passwords, and banking info are not stored on Quicken’s servers. Users are given several options for connecting to their bank account, allowing them to choose a configuration that ensures secure interaction with their bank.

Does Quicken automatically sync with the bank?

Quicken offers four methods for connecting and syncing with your bank account: Web Connect, Direct Connect, Express Web Connect, and Express Web Connect Plus. All automatically sync with your account except Web Connect, which requires a manual download.

Updated November 7, 2025 at 5:23 AM

Quicken 2026: Benefits, Features & Pricing

Written by Amita Jain

Senior Content Writer

Edited by Caroline Rousseau

Senior Editor

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On this page

Our Summary
Pricing and Plans
Features
Integrations
Key Sentiments
User Reviews
Frequently Asked Questions

Our Summary

Quicken

3.9

(459)

Pros:

Personal and business use
User-friendly platform

Cons:

Customer support
Software bugs

Pricing

Starting at $47.88 per year

What is Quicken:

Quicken is a software platform for managing personal finances and providing accounting solutions to small businesses. It can be used to manage financial accounts, monitor spending, track investments, create budgets, and stay on top of taxes and loans. Quicken runs on Windows and Mac and has an app for Android and iOS devices.

Why we like Quicken:

Quicken allows you to centralize control of your finances, with features that include budgeting, investment management, expense tracking, and customized reporting. It also automates financial payments and offers user-friendly customization tools. Quicken is available in three pricing plans, allowing flexible affordability options.

Who should use Quicken:

Quicken is designed for managing an individual or family’s personal finances. However, there is a version that can be used by small to midsize business owners and managers, as demonstrated by the fact that 76% of companies that submitted reviews of the product have 1-10 employees. One recommended application is for managing rental properties since it can track expenses, revenue, property taxes, and property value.

Quicken Screenshots

Quicken Overview

Quicken is an accounting solution for rental properties that comes with rent payment tools, which allow enterprises to track outstanding payments and send rent receipts to tenants. Additionally, its planning module lets users view tax returns and bank account expenses.

What is Quicken?

Quicken is a solution that helps businesses manage payment collection and track property value. The product comes with rent payment tools, which allow enterprises to track outstanding payments and send rent receipts to tenants and provides features such as credit checks, tenant portal, pers...

Quicken Pricing and Plans

Starting price: $47.88 per year

Free Trial

Free Version

Classic Starter

$47.88

flat rate, per year

Plan includes:

Connect all of your banking and credit card accounts
Automatically download & categorize your spending
Create a simple monthly budget
View & track bills

Quicken Simplifi

$71.88

flat rate, per year

Plan includes:

Works with any budget style
Spending, income, savings, and net worth, along with extensive customization
Performance over time, cost-basis, real-time quotes
Projected cash flows
Real-time alerts
Watchlist to monitor spending
Credit score tracker
Customizable interface
Free guided onboarding, phone & chat support

Classic Deluxe

$71.88

flat rate, per year

Plan includes:

Manage & reduce debt
Create a secure retirement
Create multiple budgets

Classic Premier

$95.88

flat rate, per year

Plan includes:

Investing tools
Built-in tax reports
Reconcile to the penny
Track & pay bills in Quicken
Set budgets, manage debt, create a retirement plan

Quicken Business & Personal

$95.88

flat rate, per year

Plan includes:

Manage business & personal finances in one app
Track cashflow with smart reporting features
Use invoicing tools to get you paid faster
Make tax time easier with built-in Schedules C&E

Classic Business & Personal

$131.88

flat rate, per year

Plan includes:

Manage business, rental & personal finances
Optimize for taxes
Keep documents organized
Reports: P&L, cash flow, tax schedules, and much more

Confused about pricing? We've got you covered.

Get a personalized pricing breakdown tailored to your specific needs—no guesswork, no generic estimates.

Our Analysis of Quicken's Pricing Plans

Navigating the world of personal finance software can be daunting, especially when it comes to understanding pricing structures. To help you make an informed decision, we've taken a deep dive into Quicken's various pricing plans, outlining the key features, benefits, and potential drawbacks of each. Quicken offers four main plans: Quicken Simplifi, Quicken Business & Personal, Classic (Premier or Deluxe), and Classic Business & Personal. Whe...

ther you're a small business owner, an avid investor, or simply looking to streamline your personal finances, one of these plans may be the perfect fit for your unique needs and budget. **Quicken Simplifi** The Quicken Simplifi plan is perfect for individuals seeking a streamlined approach to managing their finances. It starts at $2.99 per month (first-year promotional pricing as of the production date) and then costs $5.99, billed annually. This plan offers a range of features designed to simplify your financial life. **Pros:** - **Accessibility:** Access your financial data anytime, anywhere with the mobile and web app. - **Real-time insights:** Stay on top of your finances with real-time alerts and comprehensive reports. - **Investment tracking:** Gain insights into your investment portfolio's performance. - **Cash flow forecasting:** Plan for the future with projected cash flow analysis. **Cons:** - **Limited functionality:** This plan may not offer advanced features required by some users. - **Annual billing:** The discounted price is only available when billed annually, which may not suit everyone's preferences. - **No business features:** Quicken Simplifi does not include tools for managing business finances. **Quicken Business & Personal** For those juggling both personal and business finances, the Quicken Business & Personal plan offers a unified solution at $3.99 per month (first-year promotional pricing as of the production date), then at $7.99, billed annually. This plan combines essential features for both aspects of your financial life. **Pros:** - **All-in-one management:** Manage your business and personal finances within a single app. - **Intelligent reporting:** Gain insights into your cash flow with smart reporting features. - **Streamlined invoicing:** Get paid faster with built-in invoicing tools. - **Tax preparation: Simplify tax time with built-in Schedules C&E. **Cons:** - **Higher cost:** This plan is more expensive than Quicken Simplifi, which may not be justifiable for those with simpler needs. - **Limited investment tools:** The plan does not offer the same level of investment tracking as other Quicken plans. - **No rental property management:** This plan does not include features for managing rental properties. **Classic** For investors seeking a comprehensive financial management solution, the Classic plan can be a great option. Two versions are available: Premier and Deluxe. Premier offers investing tools and features to set budgets, manage debt, and create a retirement plan for $5.99 per month (first-year promotional pricing as of the production date) and then for $7.99 per month, billed annually. Deluxe offers tools to manage and reduce debt, simplify tax time, and create multiple budgets for $5.99 per month, billed annually. **Pros:** - **Robust investment tools:** Benefit from advanced features designed for serious investors. - **Portfolio performance tracking:** Monitor your investment portfolio's performance with ease. - **Comprehensive financial planning:** Set budgets, manage debt, and plan for retirement, all within one platform. - **Bill management:** Stay on top of your bills with tracking and payment features. **Cons:** - **Steep learning curve:** The advanced features may require some time to master. - **Higher price point:** This plan is more expensive than other Quicken plans, which may not be suitable for those with simpler needs. - **Limited business features:** While it offers comprehensive personal finance tools, it may not be the best choice for managing business finances. **Classic Business & Personal** The Classic Business & Personal plan is a suitable solution for those managing business, personal, and rental finances. At $8.99 per month (first-year promotional pricing as of the production date) and then at $10.99 per month, billed annually, this plan offers a range of features to manage your finances and make informed decisions. **Pros:** - **Comprehensive management:** Handle business, personal, and rental finances within a single platform. - **Reporting:** Generate reports, track cash flow, create P&L statements, and prepare tax schedules. - **Customizable invoicing:** Create professional, customized invoices to suit your business needs. - **Investment optimization:** Track your portfolio's performance and optimize your investment strategy. **Cons:** - **Highest price point:** This plan is the most expensive option, which may not be feasible for everyone. - **Complexity:** The wide range of features may be overwhelming for those with simpler financial management needs. - **Annual billing:** The discounted price is only available when billed annually, which may not be convenient for all users. **Conclusion** After analyzing the pricing plans offered by Quicken, it's evident that there are options designed to cater to various business sizes and financial management needs. **For solopreneurs and small businesses:** The Quicken Simplifi plan provides a cost-effective solution. It offers essential features like real-time alerts, investment insights, and cash flow projections, making it a good choice for those just starting out or managing simpler finances. **For growing businesses and those with more complex needs:** The Quicken Business & Personal plan is a comprehensive option. It allows users to manage both business and personal finances in one app while providing powerful reporting, invoicing, and tax preparation tools. This plan is well-suited for businesses experiencing growth and requiring more robust financial management capabilities. **For established businesses and investors:** The Classic and Classic Business & Personal plans offer advanced features. These include investing tools, portfolio performance tracking, and customized invoicing. Larger businesses with diverse financial needs, including managing rental properties and optimizing investments, will find these plans most beneficial. When selecting a Quicken pricing plan, businesses should carefully consider their current financial management requirements, potential for growth, and the specific features they need. By aligning these factors with the appropriate plan, businesses can effectively streamline their financial processes, make informed decisions, and set themselves up for long-term success.

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recommendations

*Defined as the price above any available free plan

Quicken Features

Drawn from insights across 459 verified reviews, we've outlined Quicken's best and worst rated features and how they stack up against the average rating.

Quicken's score

Category average

Quicken's Best Rated Features

Recurring Invoicing

4.71

4.35 category average

Invoice Processing

4.64

4.33 category average

Financial Management

4.36

4.15 category average

Quicken's Worst Rated Features

"What If" Scenarios

3.65

3.42 category average

Mobile Access

3.67

3.83 category average

Forecasting

3.74

3.72 category average

Popular features found in Accounting
Billing & Invoicing
Budgeting/Forecasting
Expense Tracking
Fund Accounting
Income & Balance Sheet
Multi-Currency
Payroll Management
Project Accounting
Purchase Order Management
Tax Management
More features of Quicken
Accounting
Accounts Payable
Accounts Receivable
Analytics
Approval Process Control
Cash Flow Management
Credit Check
Customer Statements
Document Management
Financial Management
Financial Reporting
Forecasting
For Property Managers
For Small Businesses
General Ledger
Invoice Creation
Invoice Processing
Lease Tracking
Maintenance Management
Mobile Access
Mobile App
Occupancy Management
Online Payments
Property Management
Receipt Management
Receivables Ledger
Recurring Invoicing
Recurring/Subscription Billing
Rent Collection
Rent Tracking
Reporting & Statistics
Tenant Management
Tenant Tracking
Vendor Management
Web-based Deployment
"What If" Scenarios

Quicken Integrations

Based on 459 verified reviews, we've identified products most frequently integrated with Quicken.

Zillow Rental Manager

Quicken Key Sentiments

We analyzed 459 verified reviews for Quicken to find out what actual users really think.

Most Positive Sentiments

Ease of use

67% Positive

10% Neutral

22% Negative

Many users say the interface is clean and intuitive, with customizable dashboards that simplify navigation. The layout helps users manage finances without feeling overwhelmed. However, not everyone finds it easy; some report a steep learning curve and complex workflows, especially when handling business finances or multiple accounts. These issues can slow down onboarding and reduce overall usability.

Financial reporting

57% Positive

27% Neutral

15% Negative

Reviewers highlight the flexibility of Quicken’s reporting tools, which allow them to generate summaries using built-in templates and export options. The ability to format reports for different needs makes it easier to share and analyze financial data. Still, some users want more advanced customization, especially when managing complex accounts or preparing reports for business purposes.

Personal finance management

56% Positive

28% Neutral

15% Negative

The platform brings together bank accounts, credit cards, loans, and investments in one dashboard. This centralized view helps users track transactions, manage debt, and plan for future expenses. Many say it improves financial clarity and organization. However, some users feel the platform could offer more guidance for long-term planning or deeper insights into spending habits.

Least Positive Sentiments

Bill payment

34% Positive

28% Neutral

38% Negative

Recurring payment setup and billing management features help users stay organized and avoid missed deadlines. These tools are useful for simplifying monthly tasks. However, users often express frustration with the high cost of bill pay, inconsistent alerts, and limited support. The requirement for an annual subscription adds to concerns about value and long-term affordability.

Bank account management

31% Positive

41% Neutral

28% Negative

Linking multiple accounts and syncing transactions in one dashboard is a key benefit for many users. They appreciate the convenience of viewing financial data in one place. However, frequent connectivity issues, such as accounts disconnecting or failing to sync, are a common complaint. Limited support for certain banks also affects reliability and user satisfaction.

Quicken User Reviews

Overall Rating

3.9

Ratings Breakdown

40%

33%

12%

Secondary Ratings

Ease of Use

3.9

Value for money

3.7

Customer support

3.5

Functionality

3.9

Patricia M.

Verified reviewer

Arts and Crafts

Self-Employed

Used weekly for less than 12 months

Review source

Reviewed January 2026

Best for Small Business

I am very impressed and excited about using this tool. As a small business owner, it is very helpful for my operation

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

quicken is very secured and the customer support is top tier, it is what all small business operation needs to process payment

Cons:

you can only access it online so if you are not connected, it can slow down the process of making payments

John H.

Verified reviewer

Non-Profit Organization Management

Self-Employed

Used daily for more than 2 years

Review source

Reviewed January 2025

Good program to track expenses, receipts, and bills

I've used Quicken for many years. While it can be frustrating at times, I have found no other program on the market that allows me to track my receipts, expenses, and bills, as well as does Quicken

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

It makes it easy to keep track of expenses and bank accounts

Cons:

It can be buggy at times, e.g., downloading transactions into the wrong account.

Reasons for choosing Quicken

Quicken was the best available product at the time.

Bruce B.

Verified reviewer

Financial Services

Self-Employed

Used daily for more than 2 years

Review source

Reviewed December 2025

2 decade happy user

Previously 5

I’ve used for 20 years and would not change unless a better product comes along. I have not seen any better alternatives yet.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Daily updates of transactions and values gives me a good idea of my finances and give me peace of mind

Cons:

Somewhat antiquated and website doesn’t work well. I still use the desktop application which works well but an online experience would be nice

Peter H.

Verified reviewer

Information Technology and Services

Self-Employed

Used daily for more than 2 years

Review source

Reviewed February 2025

Quicken, not a premier experience

It's a love-hate relationship. I keep looking for something with all the features I need, some come close but so far no viable replacement

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

I've been using Quicken for years. I like having all my financial info in one place, I also like the online downloading of transactions.

Cons:

Bugs. There are a bunch and it takes forever for them to be fixed.

Reasons for choosing Quicken

None of them did everything I wanted and use

Raegan D.

Verified reviewer

Accounting

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed September 2025

Super Useful for Family Finances & Budgets

I use Quicken to aggregate all my personal financial accounts so I can quickly work my family budget. I no longer have to log into several different sites to see current balances or recent transactions. I also like that you can manually add assets that are paid in full already to give true net worth estimates.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

I love that I can access Quicken Simplifi via the app on my phone or via the website. I also really appreciate that my bank, credit card, and liability accounts can all be linked so the data is aggregated into Quicken for me.

Cons:

The only con I have is that some accounts that require authentication or regular password changes get disconnected from the app because of this. Not really a fault of the software but still an inconvenience.

Reasons for switching to Quicken

Mint.com was shut down in 2024 leaving users forced to find an alternative.

Michael A.

Verified reviewer

Automotive

201-500 employees

Used monthly for more than 2 years

Review source

Reviewed May 2025

Lifetime of Disappointment

Overall, for the past 35 years it has been extremely underwhelming. Specialty import situations, jacked up investments downloads (gave that up long ago). No undo (really?). So Why can't I just use a CSV? Do they think that is a way to increase profits? Maybe for existing users, but for anyone who will listen DO NOT GET YOUR FINANCIAL RECORDS STARTED ON QUICKEN! ANY other software but quicken.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Has qfx connector exports in most financial ends of websites. Lots of features auto sorting, renaming

Cons:

Without a qfx connector, you might as well find another finacial service supplier, or enter everything by hand. No UNDO (really?). No standard data import available such as .csv, .txt, or any non-proprietary format.

Reasons for switching to Quicken

I needed more functionality. I do not appreciate being told how many characters to type.

Verified

Reviewer

Investment Management

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed September 2025

Quicken, my experience.

Have used it for many, many years. Would love to see them develop the program further with Android full suit access.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Reliability Ease of transaction entry Charts and graphs, downloads of transaction, property and debt calculations.

Cons:

Web access is not the best. Software seems to work best when on main computer, not remotely. Web App is very basic.

Reasons for choosing Quicken

Familiarity of product and commonality of users.

Dee B.

Verified reviewer

Real Estate

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed June 2025

Using Quicken to manage your rental property

Makes managing my rental property a breeze. You can download most of your transaction from both banks and cards. With little work you can categorize each transaction (create custom categories) on your own time. At any time, you can create a "Custom Report" to see if all the tenants have paid their rent or see what you have spent in the last year on any unit. Great tool!!!!

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Makes tax time easy! Makes managing my rental property a breeze. You Can easily create custom reports to analyze your fanatical situation.

Cons:

It takes a bit of time to customize the categories to be able to create simple reports to find the information that you need, but when you are done the time was well worth the effort!

Reasons for choosing Quicken

Ease of use, ability to customize to my situation and ability to like to my bank and cards

Jemi E.

Verified reviewer

Facilities Services

11-50 employees

Used daily for more than 2 years

Review source

Reviewed February 2025

Easy to Understand

It has been overall a very good product to use.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Easy to use. Very simple to learn. User friendly. A lot of options.

Cons:

There’s really no down side to it. I have used Quicken for 15 years.

Reasons for choosing Quicken

I like it better and it was available on desktop

Nicholas B.

Verified reviewer

Construction

51-200 employees

Used monthly for more than 2 years

Review source

Reviewed August 2024

May Not Be Easy For A Typical User

I have used Quicken for over five years and I have like using it, however, I have recently been shopping around for other options that allow me to take my finances online. I have seen Quicken has an online option now and I will be considering that when making the switch.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

You are able to setup Quicken to sync transactions with your various bank and financial institutions. If you have the skills and proper data entered, you are able to run reports with valuable information.

Cons:

Quicken isn't always user friendly. I'm an accountant who has worked with many financial software, so I can work my way through it, but it isn't always user friendly. I also do not love how Quicken treats transfers between accounts as income and expense.

Reasons for switching to Quicken

I needed something that was already built to handle the level of accounting work I needed. Excel is fantastic but takes a lot of time to build tables and reports and have everything flow properly. Quicken did an excellent job in handling the work I needed.

Showing 1 - 10 of 459 Reviews

See All Reviews

Quicken FAQs

What are the disadvantages of Quicken?
Some reviews claim that Quicken is not user-friendly. Additional disadvantages may be that it cannot function for double-entry accounting processes and lacks scalability for a growing small business. There is no online full version, so it can only be used on the computer where it has been downloaded and configured. The mobile app has limited features.
Can I still use my Quicken without a subscription?
If your subscription expires, you will not lose your data and you will still be able to use it, albeit with limited functions. Certain online features may not be available so users may need to perform these processes manually. Data in the Starter version will be read-only, while upgraded versions will still have read/write capabilities.
Is it safe to link a bank account to Quicken?
Yes, because financial data is encrypted. Additionally, IDs, passwords, and banking info are not stored on Quicken’s servers. Users are given several options for connecting to their bank account, allowing them to choose a configuration that ensures secure interaction with their bank.
Does Quicken automatically sync with the bank?
Quicken offers four methods for connecting and syncing with your bank account: Web Connect, Direct Connect, Express Web Connect, and Express Web Connect Plus. All automatically sync with your account except Web Connect, which requires a manual download.