No subscription · Verified AUG 2026
Quicken Alternatives Without a Subscription
Own your finance tracker. Keep your accounts local. Stop renewing to see your balance.
Quicken costs $6.99 a month, billed annually — $419 over five years.
How this is calculated
$6.99 a month over 60 months, minus $44.95 for the cheapest paid alternative that passed. The alternative's price is the vendor's US list price in USD, verified on the date shown in its row; Quicken's own monthly price was checked on 2026-08-29.
Break-even against Quicken: month 7.
Over three years: $252 subscribed against $44.95 bought once.
Not counted on either side: optional add-ons, extra storage hardware, paid major-version upgrades, and resale value. Your own saving depends on which alternative you pick and how long you keep it.
Where a "Buy" link below earns us a commission, the vendor pays it and the price you pay is unchanged. A commission never decides whether a product is listed and never changes a verdict.
| Product | Price | Fit | Caveat | Licence | Platforms | Updates | Export | Verified | |
|---|---|---|---|---|---|---|---|---|---|
| AceMoney | $44.95 once | Direct | Not for Mac users who will not run an emulator: AceMoney is a Windows program that reaches the Mac only that way. | Lifetime · free future upgrades | Windows / Mac (via emulation) | Free lifetime upgrades included | QIF | 2026-08-29 | Buy AceMoney · Source for AceMoney |
| Buckets | $64.00 once | Direct | Not for anyone who needs to move data into another finance tool: Buckets exports CSV and nothing else. | Forever · 1 household/family | Mac / Windows / Linux | Free updates included, no monthly fee | CSV | 2026-08-29 | Buy Buckets · Source for Buckets |
| Moneydance | $65.00 once | Direct | Not for anyone who wants every future major version included: one free major upgrade ships with it, later ones are paid. | Forever · 1 household | Mac / Windows / Linux | Free point updates + 1 free major upgrade | QIF / Tab-delimited | 2026-08-29 | Buy Moneydance · Source for Moneydance |
Free alternatives
These cost nothing and are not for sale. Some install on your own machine, some you host yourself, some are vendor-run free tiers — the Platforms column says which. None of them comes with vendor support.
| Product | Price | Fit | Caveat | Licence | Platforms | Updates | Export | Verified | |
|---|---|---|---|---|---|---|---|---|---|
| GnuCash | Free · not for sale | Direct | Not for anyone who needs to reach the books from a phone: GnuCash runs on Mac, Windows and Linux desktops only. | Free forever · GPL open source | Mac / Windows / Linux | Free, community-maintained | QIF / OFX / CSV | 2026-08-29 | Download GnuCash · Source for GnuCash |
| KMyMoney | Free · not for sale | Direct | Not for anyone who needs an OFX or JSON handoff: KMyMoney exports QIF and CSV only. | Free forever · GPL open source | Mac / Windows / Linux | Free, community-maintained | QIF / CSV | 2026-08-29 | Download KMyMoney · Source for KMyMoney |
| Money Manager Ex | Free · not for sale | Direct | Not for anyone on an iPhone or iPad: Money Manager Ex ships for Mac, Windows, Linux and Android only. | Free forever · open source | Mac / Windows / Linux / Android | Free, community-maintained | QIF / CSV / HTML | 2026-08-29 | Download Money Manager Ex · Source for Money Manager Ex |
What you give up
14,000+ bank connections · Lifetime Planner · debt payoff tools
What you gain
One-time payment · perpetual license · no renewal price hikes · $374 saved
6 alternatives · price, licence, platforms, updates and export checked on the vendor's own pages
Checked and excluded
- Banktivity — All plans (Bronze/Silver/Gold) are monthly or annual subscriptions; the vendor's pricing page offers no one-time purchase for the app itself. Source for Banktivity (checked 2026-08-29)
- MoneyWiz — Both Standard ($29.99/yr) and Premium ($59.99/yr or $5.99/mo) tiers are subscriptions; no one-time purchase is offered. Source for MoneyWiz (checked 2026-08-29)
- YNAB — YNAB's own pricing page lists only a $14.99/month or $109/year plan; no one-time purchase tier exists at any price. Source for YNAB (checked 2026-08-29)