What is Quicken Accounting Software and How Does It Work?

Long-term expectations from Quicken for strategic and technological evolution are between 2025 and 2030. According to Bloomberg, Aquiline Capital Partners is currently reported to be evaluating interest in a possible sale of Quicken, the process is managed by Goldman Sachs and is expected to fetch a value above $1.5 billion-a move likely to herald the start of a new phase of investment and innovation.

When you are going to deal with your personal or small business finances, this is an important choice you have to make regarding an accounting tool. Quicken accounting software is very old, and the user will most likely hear of this name when searching for a simple tool to manage finances. However, in the year 2025, when the wave of modern apps and cloud-based alternatives is rolling over, is Quicken a good choice of accounting software at the moment?

In this article, we will deconstruct the capabilities, the advantages and the disadvantages, and user reviews of Quicken accounting software in particular among those who use it in their personal finances or light business functions. You are just starting to contemplate a Quicken software download, or you are about to change your current tool to Quicken; this review will assist you in the decision.

Read More: Best Accounting Software for Agriculture Operations

What is Quicken Accounting Software?

Quicken accounting software is personal finance and small business software that Quicken Inc. developed. It enables one to follow incomes and expenses, generate budgets, follow investments, manage rental real estate, and make payments. It is mainly desktop, and some plans support the web and mobile via the Quicken cloud sync capability.

Quicken has, over the years, been perfected into different versions, which are

• Quicken Starter: Simple budgeting and expenses
• Quicken Deluxe: Includes investment-tracking and additional planning features
• Quicken Premier: Comes with advanced investment reports and priority support
• Quicken Home & Business: The version is tailored to suit the use of small business owners and freelancers

Every plan has tools that target various types of users, from individual budgeters to business people who are using Quicken bookkeeping software.

Read More: 5 Best Business-to-Business Software

Quicken in 2025: What’s New?

The 2025 version of Quicken accounting software introduces some refinements based on customer feedback:

• Improved mobile sync with Quicken Cloud
• Enhanced rental property tracking for landlords
• More investment insights for portfolio management
• Better integration with financial institutions and banks
• A simplified Quicken software download process

The company has been working on the performance to its desktop users by still retaining some cloud flexible capabilities. It should be mentioned however that Quicken is not a full cloud-based solution like QuickBooks Online or Xero.

Read More: How to Choose a Software Development Company

Pros of Using Quicken Accounting Software

1. Strong Personal Finance Features

Quicken has been upbeat when it comes to budgeting, goal setting, and an everyday track record of income and expenditures. It enables one to group transactions, savings plans and reminders of bills. This is wonderful to all people who want to control personal finances using one window.

2. Robust Investment Tools

With Quicken accounting software, users get the capability to track real-time values for retirement accounts or brokerage investments and use performance reports and asset allocations for the various investment tools – stocks, ETFs, investments in mutual funds, and more.

3. Small Business Support

With the Home & Business edition, users can send invoices, track accounts receivable, manage business and personal finances separately, and even run profit and loss reports. While not as powerful as dedicated business platforms, Quicken bookkeeping software gets the job done for solopreneurs.

4. Rental Property Management

Landlords can manage tenants, lease terms, rent due dates, and expenses related to each property. This is a great feature for users who own a few properties but don’t need full-scale property management software.

5. One-Time Purchase Available

Unlike many SaaS platforms that require monthly fees, Quicken still offers a yearly subscription model with full desktop access. A single Quicken software download gives you access to all features for a year, with data stored locally unless cloud sync is enabled.

“The future of accounting software isn’t about replacing accountants, it’s about empowering them with AI, automation, and cloud technology to make smarter, faster financial decisions.”

–Umair Ahmed, VP of Growth at Cubix

Cons of Using Quicken in 2025

1. Not Fully Cloud-Based

While Quicken has improved its sync and mobile tools, it is still primarily a desktop software. If you’re always on the go or need team collaboration features, this might not be ideal.

2. Outdated Interface

Compared to newer fintech apps, some users report that the interface of Quicken accounting software feels a bit dated. Navigation and speed can lag, especially with large data files.

3. Mac Limitations

Although Quicken offers a Mac version, it doesn’t always match the functionality of the Windows edition. Users on macOS may find features missing or slightly altered.

4. Customer Support Concerns

Over the years user review feedback on forums and review sites varies with respect to Quicken’s customer service. Some users’ curse the lengthy time the resolution takes, others the lengthy wait or rather cryptic directions.

Read More: 10 Best Software for Retailers and the eCommerce Industry

Who Should Use Quicken in 2025?

 Ideal For

• For individuals or families that handle household budgeting
• Retirees or investors managing multiple portfolios
• Freelancers/consultants who need simple invoicing
• Landlords are lightly managing some rental properties
• People who like working on desktop-based tools rather than going for complete online apps

 Not Ideal For

• Medium-to-large businesses with payroll and inventory complexities
• Teams that require multi-user access or real-time collaboration
• The users who want a modern cloud-based platform
• Businesses running mostly on Macs with complex requirements

Read More: CRM Software Examples in Real Life – Practical Use Cases

Alternatives to Quicken Accounting Software

If you’re unsure whether Quicken accounting software is right for you, here are some alternatives:

Software	Key Focus	Cloud-Based	Best For
QuickBooks Online	Small business accounting	Yes	Businesses needing advanced features
Mint (by Intuit)	Personal finance	Yes	Free budgeting and spending tracker
YNAB (You Need A Budget)	Budgeting philosophy	Yes	People who want full control over spending
Personal Capital	Wealth management	Yes	High-net-worth individuals and investors
Zoho Books	Business finance	Yes	Growing businesses need scalability

Still, none of these tools offer the full mix of personal + small business + investment tracking like Quicken bookkeeping software does.

Read More: Automotive Industry – Car Computer Programming Software

How to Get Started: Quicken Software Download

Getting started is easy. You can go to the official Quicken website and choose the plan that suits your needs. After payment, you’ll get access to the Quicken software download link for Windows or Mac.

Steps to follow:

1. Visit the official Quicken site
2. Choose from Starter, Deluxe, Premier, or Home & Business
3. Purchase your annual subscription
4. Receive your Quicken software download link and activation code
5. Install the software and start managing your finances

The setup wizard helps you link your bank accounts, categorize transactions, and import older data files if you’re upgrading from a previous version.

Read More: Top 20 Software for Freight Forwarders in 2026

Final Verdict: Is Quicken a Good Accounting Software in 2025?

So, is Quicken accounting software worth taking a look at in 2025? It all depends on your specifications. If you demand a desktop financial project that holds its own with personal budgeting, investment tracking, and light business features, then it still stands as an equally decent choice. The software remains one of the most complete choices available for offline finance management, but ongoing software development, is gradually getting better at mobile and cloud sync. 

But if you are looking to run a growing business or require real-time cloud access and modern interfaces, then you should explore other options.

In short:

• Yes, if you are looking for personal finance, rental property management, and freelancers
• Maybe not if you’re looking for cloud-first collaboration tools or full business features

Another forecast estimates the sector to grow from USD 18.4 billion in 2024 to USD 20.18 billion in 2025 (CAGR ~9.7%) and potentially hit USD 33.72 billion by 2029.

Read More: The Ultimate Guide to Trucking Industry Software

Ready to Build a Better Finance Software?

At Cubix, we go beyond templates and outdated solutions. If you’re inspired by Quicken accounting software but need something built for today’s users, we will make it on demand. From rental dashboards to custom budgeting platforms, we’ll design and develop your perfect software for finance.

Get in touch with Cubix today to discuss your project and see how we can transform your idea into a world-class financial application.