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I've used them for years, and I honestly believe they have cost me more time (and money) than they have saved. I'm on the record as being a huge skeptic about the value of the "Sync transactions to the bank" feature. Normally I wouldn't recommend it to a boglehead because it's sort of targeted at computer nerds, but for the special case of "All I want is a spending report" they might actually fit the surely you can do this without spending $41 a year on it! These will let you simply enter your expenses as a big list of double-entry transactions in a text file. Lastly, as a dark horse, there are a number of plain text accounting tools the big three are ledger, hledger, and beancount. If you want something that feels more like Quicken in terms of its UI, I think Moneydance would fit the bill.
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Personally I'm a believer in Gnucash, which looks a little rough around the edges, but is actually the best-in-class offline double-entry personal finance package (and believe me: I have tried them all).
So you can't trust to surface appearances. The challenge here is that it's really easy to make a personal finance app that looks like it's good, but actually is terrible. There are a lot of tools that are viable for this, although fewer as more and more of them move online! A lot depends on exactly what you value. I have auto-update off and do it from time to time manually.
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I notice on my phone apps some will update every few days if you allow it. I don't really see many new features in these releases. This is also a 20+ year old mature product. We had releases measured in months though not weeks. I suspect they are using something similar at Quicken.
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I have been working on a long term software project and we do releases every three weeks it took some time to get a team in a good cadence but it is working really well overall. Some software development methodologies such as agile do advocate frequent releases. Overall, it is working pretty well for me though. Sometimes a quick release is needed to fix something the last release broke.Īnecdotally, I'm not finding any more issues than with the Quicken 2017 non-subscription I had but I am not really seeing many more things I use fixed that had problems before (and there are some new problems). Even if proper testing is being done, it generally isn't cost effective to have frequent releases and often corners are cut. However, having worked in software development for decades, it is actually slightly alarming to me. I don't know if it is supposed to impress people with the number of updates when you are on a subscription to think you are getting your money's worth or what.
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