PocketSmith vs Quicken pricing compared: $9.99 to $26.66 a month against $6.99, the free plan limits, and the export gap that decides the switch.
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PocketSmith costs $9.99 to $26.66 a month when you pay annually, or $14.95 to $39.95 month to month, and it has a genuinely free tier. Quicken Classic Deluxe is $6.99 a month billed annually, and that rate is a first year promotion. PocketSmith is a browser app built around cash flow forecasting that runs up to 60 years out. Quicken Classic is Windows and Mac software that keeps your register in a file on your own machine. The difference that actually decides the switch is not the price. PocketSmith will read a QIF, OFX, QFX or CSV on the way in, but it only writes CSV and XLSX on the way out.
Last updated September 9, 2026. PocketSmith plan names, prices and limits were read the same day from my.pocketsmith.com/plans and the PocketSmith Learn Center. Quicken Classic pricing was read from quicken.com/products/pricing-comparison-classic/ on the same day. Both vendors run promotions, so confirm the figure at checkout.
Most of the comparisons you will find for these two products are auto-generated feature checklists. They line up two columns of green ticks and tell you PocketSmith is cloud based and Quicken has been around a long time. Neither of those facts helps you decide, because the real trade is between what each program costs over three years and what each one will hand back to you if you leave. This page works through both, with the current prices read from the vendors rather than copied from a roundup.
Start with PocketSmith, because its pricing is easy to misread. The prices most people quote are the annual ones, and the monthly ones are half again as expensive. Foundation is $14.95 a month if you pay monthly and $9.99 a month if you pay for a year up front. Flourish, the plan PocketSmith marks as most popular, is $24.95 monthly or $16.66 annually. Fortune is $39.95 monthly or $26.66 annually. PocketSmith describes the annual saving as 33 percent, and it backs all three with a 14 day money back guarantee.
What separates the three plans is not features in the usual sense. Every paid plan gives you unlimited accounts and unlimited budgets. What you are buying is bank connections and forecast length. Foundation allows 6 bank connections and only from one country, with a 10 year forecast and 6 dashboards. Flourish raises that to 18 connections from any country, a 30 year forecast and 18 dashboards. Fortune removes the connection limit entirely and pushes the forecast out to 60 years. For a US household this matters more than it sounds: 6 connections covers a checking account, a savings account, two credit cards and a brokerage, and then you are done. Add a mortgage servicer and a second card and Foundation stops being enough.
Quicken prices differently. Classic Deluxe shows at $6.99 a month billed annually, Premier at $7.99 and Business & Personal at $10.99, all of them 40 percent off and all of them promotional. Quicken's own pricing page carries the renewal language in plain sight: "Upon the end of your membership period, membership will automatically renew every year and you will be charged the then-current price (prices subject to change)." The page also shows undiscounted rates next to Premier and Business & Personal, $8.99 and $12.49 respectively, and does not display a separate renewal figure for Deluxe. The current promotion is dated to end October 4, 2026 at 11:59 PT, and that date has moved more than once this year, so treat it as a moving target rather than a deadline.
PocketSmith also has something Quicken does not offer at all: a free plan that is not a trial. It gives you automatic bank feeds, manual imports, 2 accounts, 12 budgets, 2 dashboards and a 6 month projection. Two accounts is tight, but it is enough to run a checking account and one credit card indefinitely without paying, which makes PocketSmith unusually easy to test on your real data before you commit. Quicken has no equivalent. You buy a year.
Read the price rows together and the gap is smaller than it looks. PocketSmith Foundation runs $119.88 for a year against $83.88 for Quicken Classic Deluxe, so PocketSmith is about $36 a year more at the entry point. But Quicken's number is the promotional one and PocketSmith's is not, and Foundation caps you at 6 bank connections from a single country. A US household with more institutions than that lands on Flourish at $199.92 a year, which is roughly two and a half times Quicken's first year. That is the honest shape of the comparison: PocketSmith is the more expensive product once your account list is realistic.
What the extra money buys is the forecast, and it is not a gimmick. PocketSmith projects your balances forward using your scheduled income and bills, and lets you branch that into scenarios: what a new car payment does to your balance in four years, what happens if a contract ends in March. Quicken has projected balances, but nothing that works at that horizon or with that flexibility. If you are trying to answer a question about 2031 rather than about last month, PocketSmith is the only one of the two that is really built for it.
Quicken wins on two things that matter to a different buyer. The first is that your data lives in a file you hold. If you stop paying Quicken, the register goes read only but the file is still on your disk and can still be exported. PocketSmith is a hosted service, so leaving means downloading what it will give you, which brings us to the row that matters most.
The second is business and rental reporting. Quicken Classic Business & Personal produces Schedule C, E and F reports and handles invoicing. PocketSmith does not attempt any of that, and does not pretend to. If part of your money is a rental property or a side business that ends up on a tax schedule, PocketSmith alone will not get you there. That is the point at which people usually end up running personal finance in one app and the business books in QuickBooks, and it is worth planning for before you migrate rather than after.
Now the export row, because it is the single fact that this comparison usually leaves out. PocketSmith reads OFX, QFX, QIF and CSV, and it has published migration guides for Mint, Microsoft Money, Quicken, YNAB, Moneydance, Banktivity, Monarch Money and several others. Getting in is easy by design. Getting out is narrower: PocketSmith exports transactions to XLSX or CSV, from the Transactions page or from Settings, and that is the whole list. There is no QIF export and no OFX export. A CSV will open in a spreadsheet, but it is not a format that QuickBooks or another finance app will take cleanly without mapping every column by hand.
The practical consequence is worth being blunt about. Your Quicken QIF file is the most portable copy of your history you will ever have, and once you have moved into PocketSmith you cannot make another one. If there is any chance a business, rental or client slice of that history needs to reach QuickBooks, do that conversion while Quicken is still installed and still opens. Export the QIF, run it through the converter at the top of this page, and you have a Web Connect file QuickBooks will accept and match like a bank download. Then migrate to PocketSmith with a clean conscience.
Swipe to see all columns →
| Point of comparison | PocketSmith | Quicken Classic |
|---|---|---|
| Entry paid price | Foundation $9.99/mo billed annually, $14.95 month to month | Deluxe $6.99/mo billed annually, promotional |
| Middle plan | Flourish $16.66/mo annually, $24.95 monthly | Premier $7.99/mo promotional, $8.99 undiscounted |
| Top plan | Fortune $26.66/mo annually, $39.95 monthly | Business & Personal $10.99/mo promotional, $12.49 undiscounted |
| First year cost, entry plan | $119.88 annually | $83.88 annually |
| Free plan | Yes: 2 accounts, 12 budgets, 2 dashboards, 6 month projection | No |
| Refund window | 14 day money back guarantee | 30 day money back guarantee |
| Where it runs | Browser, plus iOS and Android apps. No desktop install | Installed software for Windows and Mac, data file on your machine |
| Bank connections | 6 (one country) / 18 (any country) / unlimited by plan | Included with every Classic plan |
| Cash flow forecast | 10 / 30 / 60 years by plan | Short term projection only |
| Multi-currency | Yes, and connections from multiple countries above Foundation | Limited, US oriented |
| Business and rental reporting | None. Personal finance only | Business & Personal adds invoicing plus Schedule C, E and F reports |
| File formats it reads | OFX, QFX, QIF and CSV | QIF, OFX, QFX, CSV and its own file formats |
| File formats it writes | CSV and XLSX only | QIF export, plus CSV and reports |
| If you stop paying | You drop to the free plan. Data stays, limits apply | The register becomes read only and downloads stop |
Built for the QIF files Quicken and finance tools actually export, checked before it exports.
The converter adds up the transactions it parsed and matches that to your file total before you export, so nothing is silently dropped.
Valid OFX 1.02 with QuickBooks Web Connect headers. Online and Desktop import it as a standard bank feed.
Date, payee, and amount are read straight from the QIF tags, so there is nothing to map and no layout to match.
Bulk upload for catch-up and cleanup work. Each file gets its own reconciliation check and its own exports.
Mixed date formats, apostrophe years, currency symbols, and split lines in a QIF are cleaned up and summed before the .qbo is built.
One conversion, three files: the .qbo for QuickBooks, an XLSX to review, and a CSV for everything else.
Three steps. No column-mapping wizard.
Drag in a .qif export from Quicken, your bank, or another finance tool. Any QIF type works.
Every transaction is parsed and checked against your file total. You see the rows before exporting.
Download the .qbo and import it as a Web Connect bank feed. Excel and CSV are in the same download.
The specifics that decide whether the import is clean. If your case is not here, message us in chat.
PocketSmith costs $9.99, $16.66 or $26.66 a month on the Foundation, Flourish and Fortune plans when billed annually, which works out to $119.88, $199.92 and $319.92 a year. Paying month to month costs $14.95, $24.95 or $39.95. There is also a free plan with 2 accounts and a 6 month projection, and a 14 day money back guarantee on the paid plans.
The plan you actually need is usually decided by your bank connections rather than by features, since accounts and budgets are unlimited on every paid tier. Foundation allows 6 connections and only from one country. If you hold accounts at more than six institutions, or at institutions in more than one country, Foundation will not work and Flourish is the real entry price.
PocketSmith is better if your question is about the future: it forecasts balances 10 to 60 years out and lets you model scenarios, which Quicken cannot match. Quicken is better if you need business or rental reporting, want your data in a local file you control, or want the cheaper first year. Neither is an accounting package.
A useful way to break the tie is to ask what you will do with the answer. People who open these apps to reconcile last month and file a tax schedule are Quicken buyers. People who open them to decide whether they can afford a house in 2029 are PocketSmith buyers.
PocketSmith does not run a conventional time limited free trial. Instead it offers a permanently free plan and a 14 day money back guarantee on paid plans. In practice that is more generous than a trial, because you can connect a real account and run the free plan for as long as you like before deciding whether the paid limits are worth it.
Yes. The free plan includes automatic bank feeds, manual file imports, 2 accounts, 12 budgets, 2 dashboards and a 6 month projection. It is not a crippled demo, and it does not expire. The limits that push people to pay are the 2 account cap and the short projection window, since forecasting is the reason most people choose PocketSmith in the first place.
PocketSmith cannot open a Quicken data file directly, but it imports the QIF file Quicken exports, and it also reads OFX, QFX and CSV. PocketSmith recommends OFX as the most reliable of the four and published an update in 2024 specifically extending its QIF import support. It also maintains a dedicated guide for moving across from Quicken.
The practical route from Quicken Classic on Windows is File, then Export, then QIF file, choosing the accounts and the full date range rather than the default. Expect to check categories and split transactions afterwards. QIF carries dates, amounts, payees and categories, but category names do not always survive a move between apps intact, and splits are the most common casualty.
You can export transactions to XLSX or CSV, either from the Transactions page using the Export menu, or from Settings, User preferences, Export data, where there is a Download a CSV option for all transactions. There is no QIF, OFX or QFX export. That makes PocketSmith easy to enter and comparatively hard to leave for another finance app.
This is the reason to think about QuickBooks before you migrate rather than after. A CSV of your history will open in Excel, but QuickBooks Online only accepts a narrow CSV shape and will reject most exports without hand mapping. A Web Connect file imports the way a bank download does. If any of your history belongs in QuickBooks, convert the Quicken QIF while you still have one.
Yes. PocketSmith supports automatic bank feeds for US institutions on every plan including the free one, and prices in USD. The limit to watch is the number of connections rather than coverage: Foundation allows 6 connections from a single country, Flourish allows 18 from any country, and Fortune is unlimited. Manual file import works on every plan regardless of whether your bank connects.
No. PocketSmith runs in the browser, with companion apps for iOS and Android. There is nothing to install on Windows or Mac and no local data file. If having the register on your own disk matters to you, that is a genuine argument for Quicken Classic, Moneyspire or Banktivity instead.
Pick PocketSmith if the forecast is the point and you are comfortable in a spreadsheet-like interface. Pick Monarch Money if you want a cleaner interface, shared household access and a product built for tracking rather than projecting. Monarch is the better daily driver; PocketSmith is the better planning tool.
Both are cloud services, so the export caution applies to each of them equally. Neither will write a QIF, and neither produces the tax schedules a rental or a side business needs.
Cancelling is handled from your PocketSmith account settings rather than by email. Because PocketSmith runs a permanent free tier rather than only trials, the account does not disappear when you stop paying, though you should expect the free plan limits of 2 accounts, 12 budgets and a 6 month projection to apply from that point. Export a CSV of your transactions before you cancel, since that file is the only copy you control.
Not on its own. PocketSmith is personal finance software with no invoicing, no double entry and no Schedule C or Schedule E reporting. You can categorize rental income and expenses and see them in a report, but nothing comes out in the shape an accountant or a tax return wants.
The common arrangement is to keep the household side in PocketSmith and put the rental or business side in QuickBooks Online, which does produce those reports. The bridge between the two is a file conversion, not a sync, and the cleanest source file is the QIF you export from Quicken before you switch.
It depends which part of PocketSmith you are replacing. For the forecasting, nothing else in this price band does it as well. For a local data file, Moneyspire, Moneydance and Banktivity are the desktop options, and all three export QIF, which PocketSmith does not. For a cloud tracker, Monarch Money and Quicken Simplifi are the direct competitors.
If the reason you are shopping is that Quicken renewed at a price you did not expect, it is worth reading the renewal terms on both sides before switching. Subscription pricing is now the norm across this category, and PocketSmith's annual rate rises the same way Quicken's does.
You keep it, but only if you carry it across yourself. Quicken does not hand your file to another vendor, so the move is an export followed by an import: QIF out of Quicken, QIF into PocketSmith. Do it while your Quicken membership is still active, because a lapsed subscription leaves the register read only and makes the export harder.
Make two copies of that QIF, not one. The first goes into PocketSmith. Keep the second, because PocketSmith will never produce another QIF for you, and a QIF is the only file that converts cleanly into a QuickBooks Web Connect import if your books ever need to be in accounting software rather than a budgeting app.
Upload a QIF export, get a QuickBooks-ready .qbo back in seconds. No card to try it.
For the solo bookkeeper running a monthly close in QuickBooks.
USD / month
$288 charged today
For a firm or finance team converting across many clients and currencies.
USD / month
$888 charged today
For high-volume practices that convert without a monthly cap and drive it from their own scripts.
USD / month
$2,988 charged today
