A Quicken alternative with no subscription, built for Windows
If you are looking for a Quicken alternative that you pay for once instead of every year, TallyMint is desktop personal finance software for Windows. It costs $49.99 one time, keeps your data in an encrypted file on your own PC, and handles the day-to-day work you already do in Quicken: a transaction register, bank sync, budgets, recurring bills, reports, and cash flow projections.
Why people leave Quicken
Quicken moved to a subscription model years ago. That is a fine deal for some people. For others, paying every year to keep using software they already rely on is the reason they start looking for something else. TallyMint exists for that second group: buy it once, own it, and keep your financial data local.
Quicken price increases: why the bill keeps growing
As of mid-2026, Quicken Classic Deluxe lists at $4.99 per month billed annually (about $59.88 per year) and Quicken Classic Premier at $6.99 per month (about $83.88 per year). New memberships usually start with a first-year discount, then auto-renew at the then-current full rate. That renewal step is where many longtime users first notice the real cost: the discount ends, the list price applies, and list prices have moved up over the years. Renewal-price threads are a regular feature on Quicken's own community forums.
None of that is a trick; it is just how subscription pricing works. But it compounds: five years of Premier at current list pricing is over $400 in renewals. TallyMint's answer is a one-time $49.99 license for the Windows app: no renewal, no annual decision, and your data stays in a file you control. If you want the math laid out, the comparison below shows the cumulative cost side by side.
What you keep when you switch from Quicken
The goal of TallyMint is to feel familiar if you are coming from a traditional desktop register, not to make you relearn how to manage your money. You keep:
- A real transaction register with check numbers, memos, categories, splits, transfers (a split line can itself be a transfer to another account, just like Quicken), and a running balance, the same way a checkbook register works.
- Bank sync through SimpleFIN Bridge, which covers thousands of US and Canadian banks and credit unions, plus OFX Direct Connect for banks that support it.
- Budgets with monthly targets per category and actual versus budget tracking.
- Recurring bills and income that can auto-enter on their due dates so your forecast stays current.
- Reports: spending by category, cash flow grids, month in review, net worth trends, and a tax summary, all exportable to CSV, plus a TXF export of realized capital gains for TurboTax Desktop.
- The freedom to leave: TallyMint exports your entire file back to QIF anytime. If it turns out not to be for you, your data walks out the door with you, history intact.
What is different about TallyMint
Two things set TallyMint apart from most finance software, and both are deliberate.
You pay once. TallyMint is $49.99 as a one-time purchase. There is a 30-day free trial with every feature unlocked and no credit card required. After the trial, the app becomes read-only until you buy a license, but your data is never deleted or locked away. Bug fixes and patches are included.
Your data stays on your computer. Everything lives in an encrypted file on your PC, opened with your master password. There is no cloud account to create, no telemetry, and no tracking. You can back your TallyMint folder up to Google Drive or OneDrive yourself if you want, but nothing is sent to us. We cannot read your data because we never receive it.
Cash flow projections: see your balance weeks ahead
This is the feature TallyMint was built around. Using your recurring bills and expected income, TallyMint projects your account balance 30, 60, or 90 days into the future and charts it day by day. You can see the lowest point your balance will hit before your next paycheck, and whether every upcoming bill is covered, before it happens. For a lot of people, this is the single most useful thing a finance app can do, and it is front and center in TallyMint.
How TallyMint compares
| TallyMint Desktop | Typical subscription finance apps | |
|---|---|---|
| Price | $49.99 once | About $72–$99 per year |
| Data location | An encrypted file on your PC | Often synced to the vendor's cloud |
| Bank sync | Yes (SimpleFIN, OFX) | Yes |
| Cash flow projections | Yes, 30/60/90 days | Varies |
| Import your old data | QIF, OFX, CSV | Varies |
| Platform | Windows 10 & 11 | Windows, Mac, web |
If you are on Windows and want a fast, private app you pay for once, that is exactly what the desktop version is built to be. If you are on a Mac, a Chromebook, or you want the same ledger on your phone, keep reading.
If you would rather have it in a browser: TallyMint Web
The downloadable app is Windows-only, so we also host it. TallyMint Web is the same app running at app.tallymint.app, with the same register, budgets, projections, bills calendar, investments, and reports, and with the bank connections included instead of set up by you. It is $12.99 a month or $99.99 a year for up to 5 connected accounts, $17.99 a month or $139.99 a year for up to 14, and it starts with a 7-day free trial.
Yes, that is a subscription, on a page about leaving one, so let us be direct about it. If a subscription is the specific thing you are trying to get away from, buy the desktop app for $49.99 and you are done. That option is not going anywhere. But if what you actually want is to stop paying Quicken's price for something that does not fit how you work, the hosted version is worth a look: it is cheaper per year than Classic Premier, it includes the bank connections, and it runs on a Mac or a phone, which the desktop app cannot. Both import the same QIF file, and you can move from one to the other later.
Moving your data from Quicken
You do not have to start from scratch. Quicken can export your accounts and history to a QIF file, and TallyMint imports QIF directly. Your transactions come across in seconds, including splits and transfers, and each transaction's category is matched to your TallyMint categories where the names line up. TallyMint also imports OFX/QFX bank downloads and CSV files, so you can bring in history from almost any source. For a step-by-step walkthrough, see how to move off Quicken and the detailed guide to importing a QIF file.
Frequently asked questions
Why does Quicken keep getting more expensive?
Quicken Classic is subscription software: new memberships often start with a first-year discount, then renew at the then-current list rate. As of mid-2026, Classic Deluxe lists at about $59.88 per year and Classic Premier at about $83.88 per year, and list prices have risen over the years. A one-time-purchase app like TallyMint ($49.99 once) avoids the renewal cycle entirely.
Is there a Quicken alternative with no subscription?
Yes. TallyMint is a desktop personal finance app for Windows that you buy once for $49.99, with no annual subscription. It includes bank sync, budgets, recurring bills, cash flow projections, and reports.
Can I move my Quicken data into TallyMint?
Yes. Quicken can export your data to a QIF file, and TallyMint imports QIF, along with OFX/QFX and CSV. Your transactions come over in seconds, including splits, transfers, and even transfers inside split transactions, with categories matched to your TallyMint categories where the names line up.
What happens to my data if I stop paying or never buy a license?
Nothing is taken away. Because TallyMint is a one-time purchase and stores your data in a file on your own computer, your data is always yours. If the 30-day free trial ends and you have not bought a license, the app becomes read-only, but every transaction, account, and report is still there and you can still open and view it. Buy a license at any time and full editing comes back instantly.
Do I have to pay for upgrades, or is $49.99 really the only cost?
The $49.99 is a one-time purchase and includes ongoing bug fixes and patches. There is no annual subscription and no recurring charge to keep using the app. If a future major version ever adds a large new set of paid features, it would be optional, and your current version keeps working.
Does TallyMint track investments or a 401k?
Yes. TallyMint tracks brokerage and retirement accounts with per-position holdings, market values, cost basis, and capital gains (FIFO, average cost, or specific lots, with long and short-term realized gains). Positions can sync automatically through SimpleFIN, refresh from a free end-of-day quote key (including mutual fund NAVs), or be entered manually. Investment history imports straight from your QIF file: buys, sells, reinvested dividends, and stock splits come across as real cost-basis transactions.
Does TallyMint run on Windows 11?
Yes. The desktop app runs on Windows 10 and Windows 11. It is a native Windows app, not a browser tab, so it stays fast even with years of history.
Is there a web version, or a Mac version?
There is a web version. TallyMint Web runs in any browser, so it works on a Mac, on Linux, and on phones, and it includes the bank connections. It is a subscription from $12.99 a month with a 7-day free trial. There is no native Mac build of the downloadable app today.
Try it free for 30 days
The best way to know if TallyMint fits the way you manage money is to use it. The desktop trial is the full app for 30 days with no credit card required, so you can import your data, connect a bank, and look at your own cash flow projection before you decide. The web version has its own 7-day trial if you would rather start there.