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15 Best Quicken Alternatives For Mac 2022

Quicken is a money management program that allows you to easily organize your finances. It provides a complete financial solution with bank-level security to ensure maximum data security.

The Portfolio X-Ray function on Quicken allows you to assess your portfolio’s strengths and shortcomings.

Despite some brilliant features, Quicken frequently fails. It doesn’t always sync your accounts, you have password issues, screens sometimes appear as blank or lag, and it’s just not a good user experience.

Over time, other companies have introduced new offerings that were created from the ground up and took advantage of updated technologies.

So, if you’re sick of Quicken, its support and sync troubles, and want a decent free alternative or replacement – here are 15 of the best replacement options.

PS: All these replacements are available on Mac.

Best Quicken Alternatives For Mac

1. Personal Capital

With over 12 years in the financial sector and over three million registered users, Personal Capital is on a mission to “better financial lives through technology and people.” In August 2020, Empower (the second-largest retirement provider in the United States) acquired Personal Capital.

Unlike Quicken which is primarily a budgeting software, Personal Capital is more of a personal finance website. They also have a mobile application.

Personal Capital works best for basic personal finance management like building a budget, keeping track of bills, etc

Personal Capital combines all your financial accounts together in one place. That way, you can access all your finances with ease on one platform.

It’s worth noting that the budgeting and tracking tools in Personal Capital are more basic than that of Quicken. This means it’s not cumbersome to understand and use for people with a simple budget.

For the most part, everything on Personal Capital is on finance and budgeting. Personal Capital is free (which is very generous) considering all of the features they offer. However, they charge management fees.

However, if you want to take it a step further and explore their wealth management services, then you’ll have to pay. This extra feature helps you grow your wealth and track your progress for your long-term goals.

A standout feature that Personal Capital offers is the ‘fee analyzer’. The fee analyzer scans all your accounts for unnecessary fees and helps you discover how you can cut back on excessive spending.

They also have a retirement planning tool that helps you track your journey toward retirement.

Currently, they manage over $18 billion in assets for over 27,000 clients.

2. Kubera

Kubera is a more modern wealth tracker that lets users track net worth and investment ROI for all their major investment classes even with an option for NFT.

Here are other assets that you can track with your Kubera portfolio: crypto, global currencies, stocks, metals of value, and other assets like cars, houses, URL value, and private equity.

This variety of assets across different financial niches gives it a special edge over Quicken.

It is worth noting that Kubera is probably the only tool at this point that easily tracks DeFi, on several ecosystems like Polygon, Ethereum, and Binance Smart Chain. Impressive stuff.

Kubera also focuses on estate planning. Although most people don’t want to address their mortality, Kubera does, and they help simplify handing the assets of the deceased over.

Unlike Quicken, Kubera is primarily known to track portfolios and assess net worth. No portfolio analytics. No budgeting tools. No monitoring of credit scores.

In simpler terms, it helps you track your assets, but it provides no guidance on how to save money or spend more wisely. This is more of portfolio specificity rather than an oversight of those features.

You can check their pricing plans here.

Unlike other services, they generate their income from just your subscription and not from selling your information or using it for upsells/advertising. Your fee covers all the banking and development connections.

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3. You need a budget (YNAB)

With that name, you can tell that this budgeting software means business. It is powerful budgeting software that helps you build a budget you can grow into.

One thing that makes YNAB one of the best Quicken alternatives for Mac is that it aims to teach users how to manage their finances for the long term.

It’s like having a combination of software like Quicken with the personal touch of a professional financial advisor.

YNAB’s philosophy hinges on these four rules:

Rule 1: “Give Every Dollar a Job”

Rule 2: “Embrace Your True Expenses”

Rule 3: “Roll With The Punches”

Rule 4: “Age Your Money”

These four pillars form the foundation that has helped their users improve their spending habits and ultimately transform their financial lives.

With a YNAB account, you also get access to dozens of live workshops every week, hundreds of articles and guides, the YNAB podcast, and an online forum where you can get answers to your questions.

All these materials cover every aspect of the app, how to budget using YNAB, and many more.

YNAB uses several security measures (latest encryption and advanced login technologies) to protect accounts of their users’ personal and financial information.

YNAB charges $84 a year for its services although you get a free 39-day trial without credit card information.

That way, you can decide within that time if you’re willing to keep using their services, and you don’t have to worry about them deducting money from your card once your free trial is over.

Once you’ve subscribed, you can access all their budgeting tools, financial philosophy, and guidance.

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4. Moneyspire

If you are looking for a simple Quicken alternative where you can see all your accounts and payments, while tracking your spending all in one place, then Moneyspire would be perfect for you.

It’s perfect for a private person who would rather not have their financial information online. This is because, with MoneySpire, all of the financial data is stored right on your computer.

One feature that really distinguishes this tool from Quicken and most financial managers is that it’s not only a subscription.

You have the option to either make a one-time payment or subscribe monthly. If you choose to make a one-time payment, it’s yours to keep.

Check here for more details on the prices and their respective features.

Moneyspire summarizes your financial condition on a single screen. You also get a mobile app on iOS where you can log transactions and monitor account balances while shopping. This allows you to budget while spending and rein in your impulses.

If you want, you can also export your financial data to a QIF file or a spreadsheet in case you want to share it with your accountant or someone else.

If you want to export your financial data on your iOS app, then you get the option to use Dropbox (with 2GB of free storage) or share it manually using iTunes. Moneyspire recommends the former.

Moneyspire encrypts your data on your computer, and only you have access to it. It does not collect or store your financial information.

Similar to Quicken, Moneyspire also supports several world currencies.

And whenever you run into issues, or need guidance, their support is accessible through email and telephone.

Check here to check their pricing plans.

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5. EveryDollar

The poetic implication of EveryDollar is that you can keep track of every single dollar that you spend or receive. With this software, you can build a budget on any income, and also plan your monthly expenses, and track your spending.

The software is a zero-based budgeting app created by Ramsey Solutions (owned by financial guru and multimillionaire Dave Ramsey).

If you’re trying to follow the Dave Ramsey zero-based budgeting, or you’d like to build a basic budget and stick to it, then EveryDollar may be your best alternative to Quicken for Mac.

If you go for EveryDollar Plus, your app (regardless of which version you use) will sync with your bank account and across all your devices, and pull your transactions in real time. Then you can choose to categorize your transactions as you’d like.

It is super easy to use, and with the mobile app, you get a dashboard-style view where you can take a quick scan of your finances. It also provides a template to help you plan the different aspects (career, charity, or personal life) of your life finances.

EveryDollar claims it can help you create a budget in less than 10 minutes, for free. You start by entering your monthly income. Then you get a template (that you can always tweak) to budget for your monthly expenses.

You can add extra categories for a more-detailed spending plan. That way, you can categorize and enter your expenses as you spend, so you know you’re still under budget or see when you’ve gone above budget.

The free version for EveryDollar is adequate. If all you need is just a little planning for your budget, then you’re covered.

But if you want more features like bank account sync and regular financial tips from Dave Ramsey, then you have to pay $129 annually for the Premium.

But you can always start out with the free app, then upgrade when you feel like it.

6. Mint

One uncanny similarity between Mint and Quicken is that Mint is owned by Intuit, the same guys who originally developed Quicken.

It is just as dependable as Quicken but cheaper, with an easy-to-use, intuitive budget tracking tool.

It is particularly great for a recent college graduate or someone starting to develop their financial future. This is due to some of its brilliant features including creating a budget, managing debts and spending, and planning for the future.

With Mint, you don’t have to worry about whether your information is safe. Mint.com employs the same encryption that banks use to keep information secure.

It will send you weekly spending reports and fee notifications, and also notify you when your accounts are running low. It can also be used to see what your credit score is.

Even better, your transactions are synced on Mint, so you don’t have to worry about filling them in manually.

One feature it has over Quicken is allowing its users to set saving goals and track their progress towards those goals.

Although most of its features are free, there is a premium version (starting at $5 a month) tagged as an “elevated, ad-free experience with enhanced insights for saving, spending, and future wealth.”

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7. PocketSmith

With a Premium account starting at $9.95/month ($89/year), PocketSmith might seem like a bit of a financial stretch.

However, once you begin to see the many features it offers, and the many ways it can help you save money, then you’ll understand that the services are worth every penny.

Right out the gate, PocketSmith can connect your credit cards, bank accounts, investments, and loans all in one place. This takes ease-of-access to a whole new level and helps you get one big picture of your financial portfolio.

There is a free version of the software, but you’ll get the most use out of it if you invest in the Premium account for $9.95 a month, or $89 for the year. With Premium, you can connect up to 10 accounts and have all your bank information imported automatically.

One really cool feature PocketSmith has over Quicken is the forecast application. This tool lets you run different financial scenarios and get a projection of your future balances.

You can get a run forecast of as far as 30 years depending on what premium plan you’re on.

For someone with a really complex budget, there’s also a Super account available for $19.95 a month, or $169 a year. That will let you connect an unlimited number of accounts (great for a couple or family), and update information in real time.

While the free account will serve you just fine, you can get so much more with a premium account, especially if you have as many as 10 different accounts that you’d like to keep track of. You can check the details on their pricing here.

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8. Xero

If what you’re looking for is a Quicken alternative for Mac that will serve as a financial resource for your business, then you might want to try Xero.

With the price ranging from $9 to $70 per month (depending on the services you require), Xero is a virtual accounting tool built to serve small businesses and their owners.

Some of its features include payroll, invoicing, tracking of inventory, etc. It can also integrate with hundreds of apps which lets you integrate your Zero with any other service you use like mobile payments and time tracking.

As there is no limit on the number of people who may use your Xero account, it can be made available to all your employees or partners at the same time.

Coupled with a wide range of pricing, Xero offers numerous membership options, so you won’t have to pay for services your business does not need. You can check here for the full pricing list.

It’s worth noting that Xero is wired for expanding businesses, and might not be ideal for a self-employed business or one with just one or two employees.

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9. CountAbout

If you want to upgrade from Quicken or Mint to a modern financial software with a plethora of features, then CountAbout is for you.

It prides itself in being the only web-based personal finance software that imports data from Quicken and Mint. This is because this service was created by the owners of Quicken.

The entire service is web-based, and there is no need to download or update any software. If you have a complicated budget and require a large number of tools to remain on top of your spending, CountAbout is the ideal solution.

With your subscription, you’ll be able to manage all of your finances in one place and gain access to a variety of tools such as budgeting, spending tracking, account and bill pay alerts, invoicing, and more.

Check here for the details on pricing.

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10. Banktivity

Available exclusively on Mac and iOS, Banktivity aims to “give you the power to finally take complete control of your finances – immediate, long-term, and everything in between!”

They offer a convenient setup that gives you a complete and equally accurate overview of your finances. You’ll constantly be aware of what’s coming in, what’s leaving, and close you are to meeting your goals.

Through time-tested budgeting principles, and robust reporting, Banktivity offers all the tools and features you need to budget, plan, save, and invest.

One outstanding feature that Bankitivity has over Quicken is its investment mathematics. This means Banktivity will help you manage assets, sells, track buys, splits, options, dividends, etc. It will also calculate ROI, IRR, losses, and gains for you.

You can also sync your Banktivity data across several devices (as long as it is an Apple device). You can also connect to over 14,000 different banks safely and securely via Direct Access 2.

You can check their different pricing plans here. You also get a free 30-day trial when you download Banktivity.

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11. Wally

Wally does more than give you a clear roadmap of your budget and track your spending, it also helps you set limits on your monthly spending.

It’s free and super easy to use.

You may sync numerous accounts to Wally and watch as your accounts update in real time.

For the transactions though, you will have to manually enter your transactions for the budgeting element, so there will be some effort required.

Wally is quite simple to use and comprehend. Unlike Quicken, it is completely free and you can always in your pocket.

While the free version packs a punch, Wally offers more with its paid versions. It is presently available in a variety of price variants, including the Wally Gold with Trial Annual edition, which costs $24.99 per year or $1.99 per month. Check more details on their pricing plans here.

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12. Moneydance

If you are scared of your information being saved online, then Moneydance is for you. Moneydance is one of the few money apps that doesn’t rely on the cloud but keeps all your data offline on your device. This makes it a great offline Quicken substitute for Mac.

You can still link your accounts online so that they automatically extract your transactions, but they just save them on your computer.

If you do not want to link your accounts, then you can enter transactions manually.

While Moneydance might not be as feature-rich as some Quicken, it serves a niche of users looking for simple software for budgeting and tracking investments.

Moneydance is free to download and use, but it costs $53.74 to purchase. The free version has a limitation of 100 manual transactions.

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13. GnuCash

GnuCash is a free open-source accounting alternative to Quicken. It can replicate much of the Quicken experience for users willing to scale the learning curve.

It offers a lot of the functionality of Quicken including multiple account management, splitting and categorizing transactions, scheduling transactions, and reporting that includes all kinds of charts and reports (balance sheet, P&L, portfolio valuation, etc).

Lastly, it offers QIF importing, so you can import your Quicken files, plus OFX (Open Financial Exchange) protocol.

14. Dollarbird

If you are making a budget with a future projection, then you might want to use Dollarbird.

With Dollarbird, you can create and share monthly calendars with your spouse, family, or business partners. This makes it easier to stay on the same page with these people, especially when you share the same financial goals.

Dollarbird also allows you to track your spending, create monthly and annual budgets, and even create a five-year financial plan.

Dollarbird might be a tremendous help if you have long-term spending objectives. It’s also quite cheap for what you get – the pro version is only $39.99 a year!

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15. Wave

Wave is a cloud-based accounting, invoicing, and bookkeeping tool alternative to Quicken.

Wave is an excellent choice if you require simple software for managing money for your small business. It’s ideal for extra-small, and one- or two-person businesses (like freelance writers and artists).

Using mobile and desktop apps, you can manage your budget, send invoices, keep track of your orders and spending, and even handle payroll.

It’s free to use and additional features are charged reasonably. Check here for more information on their pricing plans.

Wrapping Up: What’s The Best Quicken Alternative for Mac?

The best Quicken alternative will depend on what the user is looking for.

If what you’re looking for is for a small business of one or two employees, then Wave is perfect, Xero for bigger and expanding small businesses, and Mint or CountAbout for advanced software with the Quicken model.

But if what you want is an encompassing software that helps you stay ahead in your finances, then Personal Capital works best.