Freddie Mac and Fannie Mae have both begun to gather their own data regarding property values, which enables them to create appraisal waivers on qualifying loans. This means when you submit your loan application, Quicken Loans runs your loan through both the Fannie Mae and Freddie Mac automated underwriting engines at the same time. If you’ve finally had it with the Mac version of Quicken, we’ve taken a closer look at the best Quicken alternatives for Mac of 2019. Quicken for Mac has lagged behind the Windows version for years and even though Quicken 2019 was an improvement, the decision to make it subscription only was the final straw for many faithful users.
Launched in 1983, Quicken is the one of the oldest online budgeting programs on the market. But a slew of newer, cheaper programs now offer the same benefits and services. Read on for our list of the best alternatives to Quicken. Top Alternatives to Quicken. If you are also puzzled about quicken replacement Software, then this article is just for you. In this article, I’ve compiled a list of top 10 best alternatives to Quicken. And no wonder if you find the best replacement for Quicken which is even better than Quicken itself. 10 Best Quicken Alternatives of 2019.
Is there a good replacement for Quicken? Check out this list of best alternatives (including free options) to manage your money.
- Personal Capital (for Online)
- Banktivity (for Mac)
- You Need a Budget (for iPad)
- Mint
- EveryDollar
- PocketSmith
- Tiller
- PocketGuard
- CountAbout
- MoneyDance
Launched in 1983, Quicken is the one of the oldest online budgeting programs on the market. But a slew of newer, cheaper programs now offer the same benefits and services.
Read on for our list of the best alternatives to Quicken.
Top Alternatives to Quicken
Most budgeting programs are now online-based, which means anyone can access and use them on any browser. However, some still have more functionality on certain platforms than on others.
Best Alternative for Online: Personal Capital
Pros
- Base service with most features is completely free
- Shows credit, bank, and investing accounts
- Features retirement goal setting
Cons
- High fees and account minimum for advisory service
- No budget creating option
How it Compares
Like Quicken, the web-based Personal Capital allow users to link all of their financial accounts, including investments.
Unlike Quicken, though, the platform doesn't allow you to create a budget. The program will break down your spending. It also offers retirement planning and investment checkups.
Once they log into their Personal Capital account online, users immediately see their investments and cash flow directly from the homepage. This overview is quicker to access than Quicken's, where users must click through drop-down menus.
Personal Capital is a good free alternative to Quicken. The money management tools are free. An advanced paid financial planning option is available to users with over $100,000 in their accounts.
Who Should Use It
- Investors who want a detailed overview of their accounts
- People with multiple financial accounts
Best alternative for Mac: Banktivity
Pros
- Made for and syncs with all of your Apple devices
- Offers bill pay
- Provides investment tracking
- Supports multiple currencies
- Costs only a one-time payment for base app
Cons
- Requires additional yearly payment for Direct Access account syncing
- Only works on newer Macs
How it Compares
Banktivity is the best budgeting app for Mac users, primarily because it is only for Mac users. The app is only available on Apple devices running at least Sierra 10.12. It syncs across all of them, storing users' data in the cloud.
The program is meant to be as comprehensive as Quicken. It offers a look at all of your investments and spending at once, though you do have to organize each charge into its own category manually. From those charges, Banktivity automatically generates suggested budgets. You can also pay your bills within the app, which supports any currency, not just U.S. dollars.
A one-time purchase of $69.99 nets you the base program for life, but if you want your accounts to automatically sync, you'll need to pay an additional $44.99 every year.
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Who Should Use It
- Mac users who want a fully-integrated software and don't mind paying for it
- Mac users who want to pay bills via their budgeting app
Best Alternative for iPad: You Need a Budget
Pros
- Simple interface makes getting started easy
- Free 34-day trial
- Gives users access to wealth of resources
Cons
- Costs $6.99 per month
- No advanced investing tools
How it Compares
You Need a Budget, or YNAB, creates a budget by predicting users' expenses based on recurring payments, such as rent and utilities.
The app's budgeting plan holds users much more accountable than Quicken's software. It uses a strategy called 'zero-sum budgeting.' Every cent is accounted for, whether it goes toward groceries, rent, or savings.
YNAB also offers financial tools, such as daily webinars, to get users comfortable handling their own money. The service is an easier introduction than Quicken into the world of budgeting thanks to these features. The iPad version of the app is consistently rated high by users on the iTunes store.
Who Should Use It
- People seeking accountability in their spending habits
- Those looking to make changes and cuts to their budget
Best Modern Alternative: Mint
Pros
- Free to use
- Tracking spending and monthly payments to create a budget
- Offers investment tracking
Cons
- Often experiences errors keeping accounts linked
- Investment tracking features are limited
Just like Quicken, Mint lets users link their financial accounts to track all individual transactions. Mint categorizes each expense and creates a suggested monthly budget based on past spending.
Unlike Quicken, Mint doesn't offer bill pay through the app itself. The app's basic over-time investment chart is also less comprehensive than Quicken's extensive investing tools, which include portfolio analysis and performance reports.
Who Should Use It
- People looking to dabble in creating a budget without committing to a monthly payment
EveryDollar
Pros
- Easy to use interface
- Zero-sum budgeting accounts for every dollar's use
- Dave Ramsey's seven 'baby steps' are built in
- Free 15-day trial of paid version
Cons
- Transactions must be manually input in free version
- Paid version is expensive
- Only available in U.S. and Canada
How it Compares
EveryDollar takes a 'baby steps' approach to financial success using seven simple goals. The app uses zero-sum budgeting to makes users track every cent, even those in savings.
Since EveryDollar is solely focused on budgeting, it offers no investment tools. The basic free version does not allow users to automatically sync their transaction history, which means they must enter each individual transaction.
Who Should Use It
- People who want to curb their spending
- Those looking to set itemize budget limits
PocketSmith
Pros
- Advanced tools show expected net worth years into the future
- Basic version is free to use
- Can link to investing accounts
- Creates budget calendar that syncs to personal online calendars
Cons
- Mid-tier account level costs $9.95 per month, while highest costs $19.95
- Most in-depth versions of tools only available at highest pay level
- Free version requires manual transaction input
How it Compares
PocketSmith offers state-of-the-art tools for users willing to pay a monthly fee.
The app focuses on 'forecasting' based on their current expenses, income, and spending habits from their linked financial accounts, including investments. This forecast comes in the form of a downloadable calendar that can sync up to Google, Android, and Apple devices.
The basic, free version of PocketSmith offers 6 months' worth of financial projections at a time. This does not include automatic account syncing—users instead have to enter each transaction manually.
Paying $9.95 or $19.95 per month grants access to up to 10 or 30 years of projections, respectively.
Who Should Use It
- Budgeters planning their financial future
Tiller
Pros
- Automatically files all financial information into Google and Excel spreadsheets
- Users can customize spreadsheets to fit their needs
- Shows daily feed of all transactions, spending, and balances
Cons
- Does not support investment accounts
- Spreadsheets can be confusing to newer budgeters
- Costs $59 per year
How it Compares
Tiller Money is the ultimate budgeting service for a spreadsheet lover. The web-based program divides your finances into one of several budgeting templates. Users can also create their own templates.
Tiller offers a simpler, more direct organization system than Quicken's multiple drop-down menus. Tiller concentrates on straightforward budgeting without the extra features of some other systems. It offers no investment account tracking.
Quicken For Mac Help
The platform is free for the first 30 days and costs $59 per year afterward.
Who Should Use It
- Those who love using spreadsheets
PocketGuard
Pros
- Can link to bank, credit, loan, and investment accounts
- Basic app is free to use
- Available as app
- Automatically builds budget suggestion based on income, goals, and bills
- Allows users to set spending limits
Cons
- Only available as app
- Advice may be too simple for advanced users
- Cash tracking and custom categories only available in paid plan
- Only available in U.S. and Canada
How it Compares
PocketGuard allows users to plan monthly budgets by tracking spending and allotting money to bills. This program creates an actual spending limit for every category based on a user's previous transactions.
Quicken does not offer this feature, instead relying on users to set their own monthly maximums.
PocketGuard also lets users set monthly sending notifications to stay on top of their money without having to open the app.
The basic account is completely free. A PocketGuard Plus account, which offers the abilities to track cash spending and create custom spending categories, is $3.99 per month or $34.99 per year.
Who Should Use It
- Anyone looking to simplify their monthly budget with straightforward tools.
CountAbout
Pros
- Can import data from Quicken and Mint
- Reflects all transactions, not just those already processed by the bank
- Free 15-day trial
Cons
- Only offers automated transaction syncing with premium paid service
- No free basic account
- Does not offer investment tracking
- Lacks advanced budgeting features
How it Compares
CountAbout is a basic budgeting tool that allows users to import data from Mint or Quicken. The free account requires users to manually enter all of their financial transactions.
Just like Quicken, the paid version automatically syncs transactions across all of a user's linked accounts. But CountAbout shows even transactions that have not yet been processed.
A basic CountAbout account, which includes everything but automated account syncing, costs $9.99 per year. A premium account costs $39.99 per year, though the app does offer a free 15-day premium trial.
Who Should Use It
- Those transitioning from Mint or Quicken who need to keep their old data.
Best Alternative with Bill Pay: MoneyDance
Pros
- In-app bill pay
- Provides investment tracking
- One-time payment
- Locally-stored data keeps users' data on one device
Cons
- Difficult to import data from Quicken
- Dashboard can feel overwhelming with too many tools at once
Unlike most other budgeting programs, MoneyDance doesn't upload your data. Your information is saved only to your hard drive—unless you choose to download the app to their phone or to sync to another computer.
The program offers advanced financial tracking and budgeting tools, such as graphing, constantly updating international currency conversion rates, and more. It also supports linking investment accounts. It also is one of the few budgeting apps that offers bill pay.
MoneyDance costs $49.99 once for lifetime access, not including updates. If user wants a newer version of the program, they will need to purchase MoneyDance again.
Who Should Use It
- Anyone wary of uploading their financial data to 'the cloud'
Goodbudget
Pros
- Uses zero-sum budgeting to account for every earned dollar
- Envelope system can help users visualize their budget
- Multiple users can access same budget
Cons
- Free version only allows one synced financial account
- No email customer support with free version
Quicken Similar Mac
How it Compares
Goodbudget uses what it calls an 'envelope system' to help users see how much money they spend on each expense. The system works similar to zero-sum budgeting: users allot a set amount of money to one 'envelope.'
The platform doesn't restrict users from spending if they go over their allotted amount, but it does notify them. Quicken, on the other hand, trusts users to create and track their own monthly allowances.
The basic version, which only allows one financial account, is free, while the paid version, which unlocks unlimited synced accounts and envelopes, costs $6 per month or $50 per year.
Who Should Use It
Alternatives To Quicken 2007 For Mac
- People who want to track spending in specific budget categories
- Couples or roommates who split household expenses
Bottom Line
Budgeting is a crucial step for those seeking financial freedom. Luckily, a number of apps and programs can help you build a budget that fits your lifestyle and preferences.
Most of the programs on the list offer a free trial period. Take advantage to test out their service before you commit.
Disclaimer: Opinions expressed here are author's alone. Please support CreditDonkey on our mission to help you make savvy decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.
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