Free Quicken Alternative That Can Upload Credit Card Transactions

Quicken was in one case the go-to budgeting tool. I used it when it was first released in the 1980s. Today, it'due south been eclipsed by apps that enable y'all to manage every aspect of your finances, often for free. Here are the best Quicken alternatives to consider in 2022.

Options to replace Quicken

Editor'due south Top Picks

Of all the options out there to replace Quicken (and Mint for that matter), 3 stand out among the rest:

1. Personal Upper-case letter–It's both free and comes with the a robust set of features unmatched by other alternatives. It easily handles budgeting, cyberspace worth, greenbacks menstruum, retirement investments and taxable investments. It also comes with excellent tools, including a retirement calculator, investment fee analyzer and investment portfolio analyzer. Personal Capital can now even track Bitcoin, Ethereum, Litecoin and thousands of other tokens. It'southward the tool I use every day.
2. Tiller–If yous are a diehard spreadsheet fanatic, Tiller is the answer. It integrates with Google Sheets and tin can connect your bank accounts and credit cards. It as well offers daily email updates to track your spending. You lot tin try it free for thirty days, then information technology's $79 a year.
3. YNAB (You Demand a Budget): For those who want to focus exclusively on budgeting (no investments), and then YNAB is an ideal choice. It does budgeting as well every bit any app bachelor today, and its customs is 2nd to none.

Alternatives to Quicken

• Editor's Top Picks
• Top Quicken Alternatives
  • one. Personal Capital–Editor's Option
  • two. Tiller Coin–Best Spreadsheet Budget
  • 3. Y'all Demand a Budget (YNAB)–Best for Budgeting
  • iv. PocketSmith–All-time for Calendar Budgeting
  • 5. CountAbout–Imports from Quicken or Mint
  • 6. Moneydance–Traditional Budgeting Software
  • seven. EveryDollar (now Ramsey+)–Best for Dave Ramsey Fans
  • 8. Banktivity–Designed for Macs Only
  • 9. GnuCash–Best for Small Businesses
  • x. Mint–Best Mobile App
  • 11. GoodBudget–Best for Envelope Budgeting
• Quicken Alternatives FAQs

Superlative Quicken Alternatives

1. Personal Capital–Editor'southward Pick

Personal Capital is the clear winner when it comes to finding a substitute for Quicken. It's free and it offers tools to manage every attribute of your finances. With Personal Capital, you can link just about every financial account you lot have–checking, savings, credit cards, retirement accounts, investments accounts, HSAs, and even your abode (via Zillow).

Once linked, Personal Upper-case letter's fiscal dashboard offers valuable insights into your finances. As an example, the tool enables you lot to–

• Runway your spending by category
• Estimate when you can retire
• Summate the cost of your investments
• Display the asset allotment of your portfolio
• Generate a internet worth statement
• Become alerts when bills are due
• Evaluate your investment portfolio
• Salve for emergencies
• New : Track Bitcoin, Ethereum, Litecoin and thousands of other tokens without giving access to your crypto wallet.

I've used Personal Capital for years. It'due south the but selection that in my opinion tin can handle every aspect of my finances, from budgeting to investing to retirement planning.

I've written a detailed review and guide of Personal Upper-case letter that yous can check out.

2. Tiller Money–All-time Spreadsheet Budget

I don't know how they do it, but Tiller Money has figured out how to plough a Google Sheet into a dynamic budgeting tool. You link your bank accounts and credit cards to Tiller's Google Sheet tool, and it automatically downloads all of your transactions. From there yous tin create budgets, categorize spending and generate reports.

I've been using Tiller for near 1 twelvemonth for both my personal budget and my small business budget. Tiller is ideal for those who love working with spreadsheets. I volition caution you lot that setting upwards Tiller can be a bit daunting. The good news is that they have videos to walk you through each pace. If I can do it, you tin can do information technology.

One thing to continue in mind is that you must manually categorize each transaction. For some, this is a show-stopper. They want the convenience of tools like Personal Capital that automate this procedure. For others, they would prefer to categorize transactions themselves. Information technology forces them to await at each entry, understand how they spent money, and then properly categorize the expense. Tiller does offer an auto-category tool that you lot tin can use to automatically categorize transactions based on the description.

There is no right or incorrect here. It comes down to preference. You lot get a 30-twenty-four hours free trial. Afterwards that Tiller costs $79 a twelvemonth.

3. You Need a Upkeep (YNAB)–Best for Budgeting

YNAB is platonic for those looking just for a budgeting tool. In my view, there is no better app when it comes to creating a budget. YNAB's interface is like to a spreadsheet. The tool makes information technology piece of cake to upkeep by category based on the money you actually have in the banking company.

I of YNAB'south core principles is to give every dollar a chore. Yous do that by deciding how y'all'll spend every dollar that enters your checking account. As with other tools, you lot can connect your banking company accounts and credit cards to YNAB. This allows for real-time updates then that y'all tin can track your spending throughout the month.

YNAB doesn't have the rich characteristic set offered past Personal Capital. That'south particularly clear when information technology comes to investing. For those who don't desire to runway investments, notwithstanding, YNAB is a skilful option.

It's not complimentary, however. You can try information technology free for 34 days. After that it costs $eleven.99 a month or $84 a year for the annual programme. The cost is the biggest downside to YNAB.

4. PocketSmith–All-time for Agenda Budgeting

PocketSmith started out as a agenda to program upcoming income and expenses. Today, it'southward a full-fledged budgeting app. You lot tin synch your accounts with PocketSmith. In one case synced, you tin can rail your upkeep and y'all're net worth. You can also see your income and spending in a handy calendar view.

One stand up-out characteristic is PocketSmith'southward auto-budget tool. It can create a budget for yous based on past spending. It too has a cash flow characteristic that maps income and spending by date range.

While there is a costless version of PocketSmith, it requires manual data entry. To go automatic depository financial institution fees, you lot'll demand to pay at least $9.95 a month, or $seven.50 a month when paid annually.

5. CountAbout–Imports from Quicken or Mint

If y'all accept a lot of data in Quicken (or Mint), CountAbout may be the budgeting tool for you. Information technology has a feature enabling you to import data from Quicken or Mint.

CountAbout enables you to download transactions from your bank and customize both income and expense categories. You tin can even attach receipt images to expense transactions. You tin can fix recurring transactions and generate financial reports.

For the features you lot get, the toll is very reasonable. The basic plan costs only $9.99 a year (not a month). If y'all want automatic downloading of bank transactions, the cost is $39.99 a year.

half-dozen. Moneydance–Traditional Budgeting Software

With so many apps going online, Moneydance takes a unlike approach. You download Moneydance software rather than use it online. One time downloaded, the software works much like you would await.

Y'all tin can download banking transactions into the software and initiate bill pay. The software automatically categorizes expenses based on how yous categorize them. In other words, it learns from your apply of the program.

Information technology offers a dashboard (shown above) that summarizes your finances all in one identify. It can also generate reports and graphs to give you a visual perspective of your money. It comes with a mobile app, can track your finances, and can alarm you when bills are due.

It costs $49.99 and is available for both Mac and Windows.

vii. EveryDollar (now Ramsey+)–All-time for Dave Ramsey Fans

For those Dave Ramsey founds out there, EveryDollar may exist a good substitute for Intuit'southward Quicken. At present the first thing to betoken out is that EveryDollar own't inexpensive. Subsequently a 14-twenty-four hour period trial, you'll pay $129.99 a year. If you want to endeavour information technology for only 3 months, it will cost $59.99. For this reason, it's not loftier on my listing. Still, I know that some folks are passionate near Financial Peace University.

Y'all can sync your depository financial institution accounts with the tool, gear up upwards budgets, and runway spending. The budgeting app works on both computers, smartphones and tablets. It also comes with Dave's educational materials, enabling you to take online course and bring together virtual groups.

8. Banktivity–Designed for Macs Simply

Banktivity is the budgeting app specifically designed for Macs. Information technology offers features that enable you to organize and runway all of your finances. You tin group accounts and reports, and organize the dashboard in a way that works best for you.

Banktivity enables you to follow an envelope budget. This can exist ideal for those living paycheck-to-paycheck.

You lot can import transactions from your banking company and sync information across all of your Mac devices. Banktivity as well tracks investments and offers business relationship-level reporting. Y'all can try Banktivity for complimentary for thirty days. After that they offer 3 plans ranging in cost from $4.16 to $8.33 a month (billed annually).

9. GnuCash–Best for Small Businesses

For those who tracked business income and expenses with Quicken and a reluctant to move up to Quickbooks, GnuCash may be the answer. It uses double-entry accounting, platonic for businesses and accounting nerds, similar me. It tracks investments, schedules transactions, and generates reports and graphs.

10. Mint–Best Mobile App

I used Mint when information technology starting time came out more a decade ago. Today, many are looking for Mint alternatives, including several of the apps listed here. Still, Mint is a worth consideration if yous are replacing Intuit's Quicken. Information technology's free, for starters. It'south like shooting fish in a barrel to link your accounts and rails your spending. It includes a budget planner and credit score tracker. Of course, at that place are great Mint alternatives as well.

11. GoodBudget–All-time for Envelope Budgeting

I'1000 old enough to remember the envelope method of budgeting. My mom used it. When the money in the grocery envelope ran out, we stopped going to the grocery story until payday (seriously). Today, the envelope budget is all the same a smart fashion to manage money for those living paycheck-to-paycheck. If yous want a digital version of the time-tested budgeting system, give GoodBudget a endeavour.

Goodudget is an app based on the envelope organization. You tin sync and share your budget, and set goals to save for large purchases. It likewise has tools that let you track and payoff your debt.

Quicken Alternatives FAQs

What is the all-time free alternative to Quicken?

Personal Uppercase is the all-time gratis Quicken replacement. It comes with nearly every characteristic Quicken offers, and money additional tools. It's peculiarly well suited for those who want to manage all of their money in 1 place, including investments.

Is Quicken available without a subscription?

Sadly, no. Similar so many other software packages and apps, Quicken is now simply bachelor as a subscription. As a event, y'all must pay for Quicken every year.

What is the all-time option to drift Quicken data to new app?

If y'all desire to migrate Quicken information to a new budgeting app, CountAbout is a solid selection. It has features enabling users to drift information from Quicken or Mint.

What is the best Quicken replacement for calendar budgeting?

PocketSmith is a skillful selection as it offers a calendar view of your upkeep.

Which Quicken alternatives allow you to schedule bill payments?

With both Tiller Money and YNAB, you can plan future beak payments. Tiller offers a Nib Payment Tracker template and YNAB enables y'all to classify funds to bills yous plan to pay in the hereafter.

Any tool you choose, the key is to pick i that works for you. For me, that'south Personal Majuscule. One or more of the above Quicken alternatives, notwithstanding, should suit the needs of most looking to better manage their money.

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Source: https://robberger.com/quicken-alternatives/

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