Mint VS Quicken Comparison

Trying to decide between Quicken vs. Mint? While the two are similar, there are some key differences when comparing pricing, features, and ease of use.

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Mint
Quicken

Ideal For

• Users that want free personal finance software
• Users that prefer cloud-based software
• 1 user

• Users willing to pay for ad-free personal finance software
• Users that prefer locally-installed software
• 1 user

Pricing
$0-$4.99/month
$41.88-$119.88/year

Standout Features

• Automations
• Solid mobile apps
• Easy to use

• Excellent customer support
• Strong budgeting
• Advanced features

What’s Missing

• Limited reporting
• Poor customer support

• Limited automations
• Simpler learning curve

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Mint and Quicken are among the most popular personal accounting tools. If you’re in need of personal accounting software and aren’t sure which one to choose, this Mint vs. Quicken matchup is designed to help you make that decision.

In this comparison, we’ll look at the features, pricing, ease of use, and user reviews for Mint and Quicken to help you determine which is best for managing your personal finances. Keep reading to learn more about these top picks in personal finance software and see if they also stack up for your small business accounting software needs.

Mint VS Quicken Comparison Summary

Mint and Quicken both help you manage your personal finances. But Mint is an easy-to-use, cloud-based option that’s free, while Quicken offers more robust features in its locally-installed paid personal finance software. Take a closer look at the similarities and differences between these two personal finance management tools.

Mint Quick Overview

Pros

• Free
• Easy to use
• Good mobile apps
• Automations

Cons

• Lacks some important features
• No reports
• Poor customer support

Whether at home or on the go, you can keep tabs on your finances quickly and easily with Mint. And it’s totally free. Don’t let the free price tag fool you, though. Mint has received rave reviews among users for how easy it is to use and how many helpful features it has — features typically reserved for paid software, such as expense tracking, budgeting, and investment tracking.

There are, however, a few features that it notably lacks, such as bill pay. Mint also has strong mobile apps that are easy to use on your smartphone or other devices.

Mint is best suited for users that want a quick and easy way to track and manage personal finances. Even users without any prior software experience will find Mint’s cloud-based software and mobile apps easy to set up, learn, and use.

Quicken Quick Overview

Pros

• Competitive pricing
• Detailed reporting
• Advanced features
• Good mobile apps

Cons

• Slight learning curve

Quicken is loaded with features you won’t find with other software, whether your goal is to set up a monthly budget, track your investments, or pay off debt.

Quicken is fairly easy to use, although some features can be a little tricky. Fortunately, Quicken offers excellent customer support to ensure you get the most out of your software. And while you do need to pay a yearly subscription fee, pricing is competitive. There’s even a risk-free guarantee, so you can make sure that the software works for you before investing long-term.

Quicken is best for users that want a detailed view of their personal finances through locally-installed hardware. Quicken is most suitable for users willing to work with more complex software in exchange for abundant features and detailed personal finance reports.

What’s The Difference Between Mint & Quicken?

Mint and Quicken share similar features, such as bill tracking and budgeting. However, there are also extensive differences, from pricing and advanced features to customer support.

Here’s the breakdown of the differences between Mint and Quicken personal accounting software.

Both Mint & Quicken Offer…

• Customizable budgets
• Bill and expense tracking
• Direct connections to thousands of banks, financial institutions, and lenders
• Mobile apps for iOS and Android
• Integrations
• Investment tracking
• Credit score tracking

Only Mint Offers…

• Cloud-based software with no downloads required
• Free software
• Built-in security
• Easy-to-use software with no learning curve
• Numerous automations, including a Kelley Blue Book automation

Only Quicken Offers…

• Bank reconciliation
• Locally-installed software
• Advanced features, such as Bill Pay
• Nearly 50 reports
• Phone support

Mint VS Quicken Pricing

Mint
Quicken

Price
$0-$4.99/month
$41.88-$119.88/year

Number Of Users
1
1

Discounts Available

When it comes to pricing, it doesn’t get much better than Mint. Mint is completely free to sign up, set up, and use for your personal finances. There are no hidden charges or fees — it’s completely no-strings-attached.

To bring in revenue, though, there are some advertisements on the Mint website and mobile apps, so this is something to keep in mind. One thing to note is that Mint doesn’t go overboard with the advertising, so you can easily use the software without being bombarded by ads. You can also subscribe to two other paid plans that remove ads and provide additional features.

Though Quicken isn’t free, this software does offer five affordable pricing plans. The basic Starter plan is priced at $41.88/year. If you want additional features, such as online bill pay, priority support, or features that help you simplify and track taxes and investments, one of the higher-priced plans may better suit your needs.

Quicken frequently offers new customer discounts for additional savings. And while a free trial isn’t available, you can try the software risk-free for 30 days.

Mint VS Quicken Features

Mint
Quicken

Budgeting

Expense Tracking

Bills

Online Bill Pay

Premier Plan & up or available as an add-on

Savings Goals

Investment Tracking

Deluxe Plan & up

Property Management

Deluxe Plan & up

Credit Score Tracking

Reporting

Bank Reconciliation

Debt Reduction Planner

Deluxe Plan & up

Both Mint and Quicken have a number of solid features to help you organize and track your personal finances.

With Mint, you can track expenses, set bill reminders, create a budget, track investments, and set savings goals. You can even check your credit score for free.

Quicken offers the same features but also offers a debt reduction planner, reporting, and other features to help you get your finances in order.

Let’s take a closer look at the key features of each, so you can determine which is the best software for you.

Bills

Quicken and Mint each support manually uploading bills, or you can connect to your online billing accounts to automatically pull your bills into the software. While Mint does offer a bill payment reminder feature, it lacks any other bill pay capability.

If you’re a Quicken Premier subscriber, you have access to Quicken Bill Pay, which allows you to pay your bills right within the software. If you don’t have a Premier account, you can subscribe to Bill Pay for an additional fee.

Budgeting

Both software options have budgeting features. Mint uses your spending habits to create an automatic budget, which you can customize to suit your financial needs better. If you go over budget, Mint will send you notifications to help you get back on track. The one drawback is that budgets can only be created for the current month, although there is an option to set up recurring budgeting.

Like Mint, Quicken also evaluates your spending habits to create a budget. This budget can be modified as needed. Quicken allows you to create budgets for the month, quarter, or entire year.

Savings Goals

Saving for something big? Quicken and Mint each have a savings goal feature that will calculate how much you need to save to meet your goal. Simply input how much you want to save and when you want to have it saved by, and your software calculates your monthly contribution.

There is a notable difference between how this works on each type of software. Quicken allows you to create as many savings goals as you want. Mint, on the other hand, only allows you to create one savings goal at a time.

Another drawback of Mint is that if you attach your savings goal to one of your accounts, such as a savings account, and the amount in that account meets or exceeds your savings goal, the software shows that your goal has already been met.

Investment Tracking

Quicken and Mint each allow you to connect your existing retirement and investment accounts. Mint even has an option for signing up for new accounts.

However, Quicken does offer more in terms of investment tracking if you’re a Premier subscriber. Premier users have access to a number of tools, including a tax optimizer and a lifetime planner that helps you calculate how much money you need to retire.

Reports

Want to dive deeper into your financials? With Quicken, you can do so by running financial reports. Quicken has nearly 50 financial reports that can help you budget, plan, and track your finances.

Mint doesn’t offer traditional reports. However, the Trends tab in the software provides data and graphs that can be viewed online or exported to CSV.

Debt Reduction Planner

If you’re struggling with debt, Quicken’s debt reduction planner can help you figure out how to get out of debt sooner. This tool lets you see how different actions can impact your credit, e.g., how making more than the minimum monthly payment affects your debt. While it isn’t 100 percent accurate, this is still a pretty cool tool to play around with if you want to get serious about tackling debt.

Unfortunately, Mint does not offer a comparable feature.

Bank Reconciliation

Quicken offers a bank reconciliation feature that lets you reconcile your bank accounts using a paper statement or your online account balance.

Mint does not have a bank reconciliation feature within its software.

Customer Service & Support

If strong customer service and support are high on your list of software must-haves, unfortunately, Mint will leave you feeling a bit disappointed. Most notably, Mint lacks phone or email support. The software is easy to learn and intuitive, but if you encounter any issues, your only support resources are in-software chat, FAQs, and Mint’s blog.

Customer service is one area where Quicken really shines. Quicken offers phone support for its customers and boasts short wait times and friendly, helpful support agents. In addition to phone support, you can also find the help you need through Quicken’s quick start guide, in-software resources, help center, live chat, or community forum.

Which Accounting Software Do Users Like Better: Mint Or Quicken?

Mint has overall received favorable user reviews on Sitejabber, Google Play, and other sites. The most common praise that the software receives is for its ease of use, free pricing, and how well Mint simplifies tracking personal finances. There are a handful of negative complaints, though, that are primarily centered on a few key missing features and glitches that occasionally occur when connecting bank accounts.

Quicken also has a very good public reputation, bringing in a number of positive reviews and praise from sites, including G2 and GetApp. Users most like the abundant features, competitive pricing, and ease of use. Some of the negative issues pointed out by reviewers include occasional bugs, crashes, and problems with loading transactions and syncing accounts.

Is Mint Or Quicken Better?

By this point, you should have a good understanding of what Mint and Quicken each bring to the table. But if you’re still not leaning toward one option or the other, keep these things in mind:

Choose Mint If…

• You prefer using cloud-based software
• You want software that’s easy to learn and use
• You need basic personal financing software without more complex features
• You don’t want to pay for personal finance software

Choose Quicken If…

• You want personal financial software with advanced features
• You prefer using locally-installed software
• You want software that comes with excellent customer support
• You want to analyze your finances with customizable reports

Comparing Quicken VS Mint: The Final Verdict

For people looking for a detailed way to actively manage every aspect of their finances, Quicken is a great choice. It is ideal for users who enjoy the complexity of locally-installed software.  If you want to create multiple budgets, track savings goals, and run reports, Quicken has far more to offer than Mint.

For people who want a simpler way to keep their spending in check and manage the basics of their finances, Mint is the winner. It is ideal for users who like cloud-based software and strong mobile apps that can keep up with a mobile lifestyle. It’s also a great choice for anyone that doesn’t want to pay a subscription fee each month or year.

While Mint and Quicken are great for personal use, more robust financial solutions may be necessary if you own a small business and need to monitor your cash flow. Start off by determining if using your personal bank account for business makes sense. If not, it may be the right time to switch to a business bank account.

Then, start researching small business accounting software to keep your business finances on track. Start your search with the best free accounting software platforms.

Good luck!

Mint VS Quicken FAQs

Is Quicken better than Mint.com?

Quicken is better than Mint if you want a locally-installed personal finance option with stronger features and actual reporting. Mint is better if you want a free cloud-based option that is easier to use.

Is Mint.com really free?

Mint.com really is free to use, with no hidden fees or gimmicks attached. Intuit Offers many finance tools, such as QuickBooks and TurboTax, so the company doesn’t need to use Mint as a major revenue source.

Mint does make money on the credit card and loan suggestions that it advertises to its users.

Which is more secure: Mint or Quicken?

Quicken has the potential to be more secure because it is locally-installed, but this is only true if you take personal measures to secure your own computer.

Mint could be more secure if you do not have the knowledge or time to manage your computer’s security because Intuit will provide industry-standard security measures for you.

Does Mint have a mobile app?

Mint has a mobile app available for both Android and iOS.

Does Quicken have a mobile app?

Even though Quicken is a locally-installed software, there is a mobile app available, so you can still access your data remotely.

What is Mint Premium?

Mint Premium is an iOS-only subscription version of Mint’s services that removes ads, uses Billshark to cancel subscriptions on your behalf, provides advanced analytics, and games.

How much does Mint Premium cost?

Mint Premium costs $4.99/month and is only available to Intuit Mint’s iOS users.