Quicken
Track spending + investments together.
Quicken Classic
- Desktop software — Windows + Mac.
- $60–$120/year subscription.
- Connects to all your bank/credit/investment accounts.
- Most comprehensive money management.
- Best for retirees with multiple accounts.
- 30+ year established product.
Quicken Simplifi
- Newer mobile-first app.
- $48/year ($4/mo).
- Connects accounts.
- Simpler than Classic.
- Modern interface.
- Mobile + web access.
Why retirees love Quicken
- Track ALL accounts in one place.
- Net worth at a glance.
- Plan retirement withdrawals.
- Budget on fixed income.
- Investment tracking.
- Tax preparation reports.
Free alternatives
- Empower (formerly Personal Capital) — free tracking.
- Excel/Google Sheets — DIY budget.
- Bank apps — basic per-account tracking.
- Mint shutdown — many migrated to Empower.
- Try free first.
- Quicken if free options insufficient.
Empower — free alternative
- FREE personal finance tracking.
- Like Mint but still operating.
- Net worth + budgeting + investments.
- Investment fee analyzer.
- Retirement planner included.
- They sell wealth management ($1M+ minimum).
Spreadsheet method
- Free Excel/Google Sheets.
- List all accounts + monthly balance.
- Track over time.
- No app dependence.
- Total privacy.
- Many seniors prefer this.
Empower free first
Before paying for Quicken, try Empower (Empower.com) free. Same account aggregation + tracking. Free forever. Save $60–$120 yearly. If you want desktop software with deeper features, Quicken Classic remains the most comprehensive. For most seniors, Empower's free dashboard is plenty.