My 90-Day Quicken Journey — From Skeptic to Fan

Is Quicken Worth It?

★★★★★ 3.8/5

Quick Verdict: Quicken is one of the most trusted personal finance software tools ever made. It tracks your money, investments, and budgets in one place. After 90 days of testing, I found it powerful but not perfect. The learning curve is steep. But if you want full control over your financial picture, Quicken delivers.

✅ Best For:

People who want to manage personal finance, bisnis finances, and investment accounts all in one place.

❌ Skip If:

You want a simple, free budgeting app. Or you live outside the US and Canada.

📊 Users	20M+ over 4 decades	🎯 Best For	Personal finance + investing
💰 Price	$2,99/bulan	✅ Top Feature	Investment tracking
🎁 Free Trial	30-day money-back	⚠️ Limitation	Kurva pembelajaran yang curam

How I Tested Quicken

Tired of losing track of your money?

You have bank accounts, credit cards, and maybe some investments.

Keeping tabs on all of it feels impossible.

Enter Quicken.

This personal finance software has been around for over 40 years.

In this Quicken review, I’ll show you what happened after 90 days of real use.

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Take control of your personal and business finances in one place. Quicken has helped over 20 million people manage their money for decades. Plans start at just $2.99/month with a 30-day money-back guarantee.

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Apa itu Quicken?

Mempercepat is a personal finance management app.

It helps you track your money, create budgets, and manage investments.

Think of it like a command center for your entire financial life.

Here’s the simple version:

You connect your bank accounts, credit cards, and investment accounts.

Quicken pulls in all your data automatically.

Then it shows you where your money goes.

The Quicken software can be used for both personal and business finance management.

Unlike simple budgeting apps, Quicken gives you deep tools for income tracking, expense monitoring, and retirement planning.

It’s available on both Windows and Mac desktop.

Plus there are companion mobile apps for iOS and Android.

Quicken remains one of the best money management apps on the market today.

Siapa yang menciptakan Quicken?

Scott Cook dan Tom Proulx started Quicken in 1983.

The story: Cook watched his wife pay bills at the kitchen table.

He knew there had to be a faster way.

So he teamed up with Proulx at Stanford.

They built the first version of Quicken together.

The Quicken brand originally belonged to Intuit, Inc.

Quicken was sold to H.I.G. Capital in 2016.

Then Aquiline Capital Partners bought it in 2021.

Today, Quicken has more than 20 million customers over 4 decades.

Eric Dunn now serves as CEO.

The company is based in the United States.

💡 Pro Tip: Quicken is available for purchase and use only in Canada and the United States, and only in English.

Manfaat Utama Quicken

Here’s what you actually get when you use Quicken:

• See Your Full Financial Picture: Quicken lets you connect thousands of bank accounts, investment accounts, and credit cards. You see everything in one place. No more logging into 5 different apps.
• Track Spending Without Guessing: Quicken provides tools for expense tracking, budgeting, and net worth analysis. You know exactly where every dollar goes each month.
• Plan Your Future: Quicken includes a Lifetime Planner feature that helps you set and adjust savings goals over time. You can map out retirement with real numbers.
• Manage Investments Like a Pro: Quicken is considered one of the best tools for monitoring stocks, retirement accounts, and net worth. It supports tax-loss harvesting insights too.
• Handle Business and Personal Together: Quicken can be used for both personal and business finance management. Usaha kecil owners love this.
• Stay on Top of Bills: Bill tracking and payments keep you from missing due dates. Quicken allows users to monitor budgets, check balances, and scan receipts into the app.
• Manage Rental Properties: Quicken allows landlords to track keamanan deposits and property maintenance expenses. Great for rental property owners.

Best Quicken Features

Here are the standout features that make Quicken worth your attention.

1. All Recurring Transactions

This feature shows every bill and subscription in one view.

You can see what’s coming up and what already posted.

It stops surprise charges from sneaking up on you.

Quicken offers invoicing features that allow users to schedule reminders for unpaid invoices.

I used this to catch a $14/month subscription I forgot about.

That’s $168 saved per year.

2. Flagship Checking Overview

This gives you a clear view of your main checking account.

You see your balance, recent transactions, and spending trends.

The user interface makes it easy to evaluate your daily cash flow.

I liked how it flagged unusual spending right away.

You don’t need tech skills to read the data.

3. Rencana Pengeluaran

The spending plan is like a budget that builds itself.

Quicken looks at your income and bills.

Then it shows how much you have left to spend.

You can create custom budgets for any category.

This feature alone changed how I manage my expenses each month.

Here’s a quick overview of how Quicken works in action.

4. Link Transactions

This feature connects related payments together.

For example, you can link a transfer between your checking and savings.

It keeps your balances accurate across all accounts.

The process is simple: just select two transactions and link them.

No more wondering where that money went.

5. Daftar Pantauan Pengeluaran

Set alerts for spending categories you want to control.

Quicken watches your transactions and warns you when you go over.

I set a watchlist for dining out.

It helped me cut that spending by 30% in one month.

This is great for monitoring where your money actually goes.

6. Pelacakan Investasi

This is where Quicken really shines.

You can track stocks, mutual funds, ETFs, and retirement accounts.

Quicken supports tax-loss harvesting insights and categorizes investment transactions by type.

The Quicken Premier plan gives you the most powerful investing tools.

The Quicken Home & Business edition (now called Business & Personal) adds rental property tools too.

Quicken is best for users who need advanced tools for taxes, investment tracking, and rental property management.

⚠️ Warning: The Quicken Deluxe plan has limited investment tools. You need Premier or higher for full portfolio analysis.

Watch how I use Quicken to manage my finances day-to-day.

7. Manajemen Utang

Quicken shows all your debt in one place.

Credit cards, car loans, murid loans, and mortgages.

It helps you create a plan to pay it all down.

The “what-if” tools let you compare payoff strategies.

You can see which approach saves you the most money.

8. Pelaporan Keuangan

Quicken creates detailed reports about your money.

Spending reports, income reports, net worth reports, and tax reports.

The reports make tax time much easier.

You can customize them to show exactly what you need.

This is a key feature for anyone who wants a clear overview of their finances.

9. Bill Pay and Key Features

Pay your bills right from inside Quicken.

The Premier plan lets you pay over 10,000 billers.

You can schedule payments and track what’s due.

No more late fees from forgotten bills.

🎯 Quick Win: Set up automatic bill tracking in your first week. It takes 10 minutes and saves hours each month.

Harga Quicken

Quicken offers tiered pricing options based on the product you choose.

Quicken has an annual subscription model.

All plans are billed annually.

Uji coba gratis: No free trial. But there’s a 30-day money-back guarantee on all plans.

Garansi uang kembali: Yes. 30 days, no questions asked.

📌 Catatan: Quicken is currently offering discounted package prices. New users can get up to 40-50% off the first year. Check the site for current sales.

Is Quicken Worth the Price?

The price depends on what you need.

Simplifi at $3.99/month is great value for simple budgeting.

But Classic Premier at $6.99/month is the sweet spot for most people.

Many users feel the annual subscription is expensive, especially as it is now required to maintain bank download functionality.

You’ll save money if: You need one platform to manage personal finance, investments, and business all together.

You might overpay if: You only need basic budgeting. A free app like Empower would work fine.

💡 Pro Tip: Start with Simplifi by Quicken at $3.99/month. Upgrade to Classic Nanti if you need desktop software or deeper investment tools.

Quicken Pros and Cons

✅ What I Liked

❌ What Could Be Better

Is Quicken Right for You?

✅ Quicken is PERFECT for you if:

• You want a single source of truth for your entire financial life
• You need to track investments, stocks, and retirement accounts
• You manage rental properties and need property expense tracking
• You run a small business and want to manage business personal finances together

❌ Skip Quicken if:

• You prefer simple, free budgeting apps for basic spending control
• You live outside the US or Canada
• You’re just starting with financial planning and want something easier

My recommendation:

Quicken is ideal for users who want a “single source of truth” for their financial life and do not mind a higher cost and steeper learning curve for superior pelaporan.

If that sounds like you, it’s worth every penny.

Quicken is less ideal for users who prefer minimalist apps or are just starting with financial planning.

Quicken vs Alternatives

How does Quicken stack up? Here’s the competitive landscape:

Quick picks:

• Best overall for personal finance: Quicken — nothing else covers personal, business, and investments this well
• Best budget option: Wave — it’s completely free for basic accounting
• Best for small business only: QuickBooks — the industry standard for business accounting
• Terbaik untuk pekerja lepas: FreshBooks — simple invoicing and expense tracking

🎯 Quicken Alternatives

Looking for Quicken alternatives? Here are the top options:

• 🧠 Teka-teki IO: AI-powered accounting that automates 85-95% of pembukuan tasks. Great for startups.
• ⚡ Dext: Fast receipt capture and data extraction. Perfect for expense management.
• 🌟 Xero: Cloud-based accounting loved by accountants. Strong reporting and bank feeds.
• 🔧 Synder: Syncs sales data from payment platforms. Ideal for ecommerce sellers.
• 👶 Akhir Bulan yang Mudah: Disederhanakan month-end closing for small teams. Beginner-friendly.
• 🏢 Docyt: AI-driven back-office otomasi untuk bisnis yang sedang berkembang.
• 🔒 Sage: Trusted accounting for mid-size businesses with deep security features.
• 💰 Zoho Books: Affordable cloud accounting with strong otomasi. Great value.
• 💰 Melambai: Completely free accounting and invoicing. Best for solopreneurs.
• ⚡ Hubdoc: Automatic document collection for bills and receipts.
• 🚀 Expensify: Fast expense reporting with smart scanning and approval workflows.
• 🏢 QuickBooks: Industry leader for small business accounting. Huge app marketplace.
• ⚡ Entri Otomatis: Automated data entry from invoices and receipts. Saves hours.
• 🎨 FreshBooks: Beautiful invoicing and pelacakan waktu for freelancers and creatives.
• 🏢 NetSuite: Enterprise-level ERP for large businesses needing full financial control.

⚔️ Quicken Compared

Here’s how Quicken stacks up against each competitor:

• Quicken vs Puzzle IO: Quicken has deeper investment tools. Puzzle IO wins for automated bookkeeping.
• Quicken vs Dext: Quicken covers full finance management. Dext focuses only on receipt capture.
• Quicken vs Xero: Xero is better for business-only accounting. Quicken handles personal finance too.
• Quicken vs Synder: Synder excels at ecommerce. Quicken is better for personal and business combined.
• Quicken vs Easy Akhir Bulan: Easy Month End simplifies closing. Quicken offers year-round tracking.
• Quicken vs Docyt: Docyt automates back-office tasks. Quicken gives you more personal finance control.
• Quicken vs Sage: Sage targets larger businesses. Quicken is better for individuals and solopreneurs.
• Quicken vs Zoho Books: Zoho Books costs less for basic accounting. Quicken wins on investment tracking.
• Quicken vs Wave: Wave is free but limited. Quicken offers deeper planning and investment tools.
• Quicken vs Hubdoc: Hubdoc handles documents only. Quicken manages your full financial picture.
• Quicken vs Expensify: Expensify focuses on expense reports. Quicken covers all finances.
• Quicken vs QuickBooks: QuickBooks is better for business accounting. Quicken wins for personal finance and investments.
• Quicken vs AutoEntry: AutoEntry automates data entry. Quicken tracks, plans, and reports on everything.
• Quicken vs FreshBooks: FreshBooks is great for freelancers. Quicken is better for full money management.
• Quicken vs NetSuite: NetSuite is enterprise-grade. Quicken is built for individuals and small business.

My Experience with Quicken

Here’s what actually happened when I used Quicken:

The project: I connected 3 financial accounts. One checking, one savings, and one investment account.

Garis waktu: 90 consecutive days of daily use.

Hasil:

What surprised me: The spending watchlist feature was a game changer. I had no idea how much I was spending on subscriptions. Quicken caught $47/month in forgotten charges.

What frustrated me: The bank connection broke twice during my 90-day test. I had to log in again and re-authenticate. Not gonna lie, that was annoying.

Would I use it again? Yes. The time savings and spending insights made it worth the cost. But I wish the bank connections were more stable.

Quicken for Windows is one of the most powerful personal finance software applications on the market.

Quicken for Mac can also be a good choice, but it may lack some features compared to the Windows version.

Kesimpulan Akhir

Get Quicken if: You want one tool to manage personal finance, business finances, investments, and retirement planning all together.

Skip Quicken if: You just need a simple budget app or you live outside North America.

My verdict: Quicken is one of the most popular personal finance tools ever. After 90 days, I understand why.

It’s not the easiest software to learn.

But once you set it up, the value is hard to beat.

Quicken is best for people who want full control over their money.

If that’s you, download it today and evaluate the versions that fit your needs.

Rating: 3.8/5

Pertanyaan Yang Sering Muncul

Is Quicken still worth it?

Yes. Quicken remains one of the best money management apps on the market today. It’s great for tracking spending, investments, and retirement. The subscription cost is fair if you use the full feature set. But if you only need basic budgeting, a free tool might work better.

Is Quicken as good as QuickBooks?

They serve different needs. QuickBooks is built for business accounting. Quicken is built for personal finance and investment tracking. If you need to manage both business personal finances, Quicken’s Business & Personal plan is a solid choice. QuickBooks is better for invoicing and sales tracking.

Is Quicken difficult to learn?

It can be at the beginning. Quicken is often described as overwhelming for new users due to its steep learning curve. The Classic desktop versions have many features. But Simplifi by Quicken is much easier to learn. Start there if you’re new to personal finance software.

How much does Quicken cost?

Quicken offers four Classic plan tiers plus Simplifi. Simplifi by Quicken starts at $2.99/month when billed annually (promotional price). Classic plans range from $4.99 to $9.99/month. All plans require an annual subscription. There is no monthly payment option.

Can I use Quicken without a subscription?

Not really. Quicken uses bank-level security and encryption to protect your accounts. But bank connections and downloads require an active subscription. Without it, you lose access to automatic data syncing. You can still view old data, but many users have reported issues accessing old data files after cancelling.