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Personal Finance · head to head

Fidelity vs Quicken

Fidelity logo

Fidelity

Personal Finance

Building a better financial future

From
On request
Rated
-
Full reviewWebsite
Quicken logo

Quicken

Personal Finance

Take control of your finances

From
$3.99/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Fidelity options trades carry a 0.65 USD per contract fee on top of zero commission; Quicken promotional pricing available only for annual billing; higher rates apply for monthly billing
  • They diverge on capability: Fidelity covers Commission-free trading, Quicken covers Budget creation.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Fidelity and Quicken actually diverge.

Attributes where Fidelity and Quicken differ
AttributeFidelityQuicken
Starting priceOn request$3.99/month
Pricing modeltransactionsubscription
PlatformsWeb, IOS, AndroidWeb, iOS, Android, Windows, macOS
Founded19461983

Identical on both: free tier (No), user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Fidelity

  • Commission-free trading
  • Retirement planning
  • Advisory services
  • Research tools
  • Web support
  • Android support

Only in Quicken

  • Budget creation
  • Bill management
  • Investment tracking
  • Tax planning
  • Credit cards
  • Windows support
  • Mac support

Both cover

  • Bank accounts
  • Investment accounts
  • IOS support

What people use each for

The jobs each tool is most often brought in to do.

Fidelity

  • Commission free trading of US stocks and ETFsnot Quicken
  • Holding IRAs, 401(k) plans and taxable brokerage accountsnot Quicken
  • Trading bonds, options and mutual funds from one accountnot Quicken

Quicken

  • Individuals managing personal finances via Quicken Simplifi cloud app for budgeting and savings trackingnot Fidelity
  • Freelancers and self-employed managing business and personal finances via Quicken Business & Personal plannot Fidelity
  • Users preferring local data storage via Classic desktop editionsnot Fidelity

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Fidelity

  • Options trades carry a 0.65 USD per contract fee on top of zero commission
  • Non Fidelity mutual funds carry a 49.95 USD transaction fee per purchase
  • Secondary market bonds cost 1.00 USD per bond, while new issues are free
  • A foreign settlement fee of 50 USD applies per trade
  • Margin rates are tiered by debit balance, from 11.825 percent below 25,000 USD down to 7.50 percent at 1 million USD or more, against a base rate of 10.575 percent effective 12 December 2025
  • Margin liquidation by the broker costs 32.95 USD per liquidation

Quicken

  • Promotional pricing available only for annual billing; higher rates apply for monthly billing
  • Subscriptions auto-renew at current rates unless manually cancelled

Pricing, plan by plan

Fidelity

On request
  • Brokerage$undefined/month
    • Commission-free trading
    • Research tools
  • Advisory$undefined/month
    • Personal advisor
    • Wealth management

Quicken

$3.99/month
  • Quicken Simplifi$3.99/month
    • Billed annually at promotional rate
    • Regular price $6.99/month
    • Mobile and web access
  • Quicken Business & Personal$4.99/month
    • Billed annually at promotional rate
    • Regular price $8.99/month
    • Mobile and web access

Which should you pick?

Choose Fidelity if

  • You need commission-free trading.
  • You work on Web, IOS, Android.
  • You also want retirement planning.
Fidelity review

Choose Quicken if

  • You need budget creation.
  • You work on Web, iOS, Android, Windows, macOS.
  • You also want bill management.
Quicken review

Questions people ask

Is Fidelity or Quicken better?
Neither clearly leads. Fidelity starts at On request and Quicken at $3.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fidelity or Quicken?
Fidelity starts at On request and Quicken at $3.99/month.
Does Fidelity or Quicken run on more platforms?
Fidelity runs on Web, IOS, Android. Quicken runs on Web, iOS, Android, Windows, macOS.
What is Fidelity best used for?
Fidelity is most often used for commission free trading of us stocks and etfs, holding iras, 401(k) plans and taxable brokerage accounts, trading bonds, options and mutual funds from one account. Of those, commission free trading of us stocks and etfs and holding iras, 401(k) plans and taxable brokerage accounts are not what Quicken is typically brought in for.
What can Fidelity do that Quicken cannot?
Fidelity covers Commission-free trading, Retirement planning, Advisory services, Research tools. Quicken covers Budget creation, Bill management, Investment tracking, Tax planning. Both handle Bank accounts, Investment accounts, IOS support.

Answered from the vendors’ own pages

Quicken: How much does Quicken cost?

Quicken Simplifi starts at $3.99/month (billed annually) or $6.99/month (monthly billing). Quicken Business & Personal costs $4.99/month (annual) or $8.99/month (monthly). Annual billing offers savings versus monthly subscriptions.

Source
Quicken: What is the difference between Quicken Simplifi and Quicken Business & Personal?

Quicken Business & Personal includes the ability to run up to 10 businesses at no extra cost, making it suitable for freelancers and small business owners. Quicken Simplifi is designed for personal finance and couples. Both are available on mobile and web.

Source
Quicken: Can I cancel my Quicken subscription anytime?

Subscriptions auto-renew at then-current rates unless cancelled. The page indicates cancellation is possible but does not specify the cancellation process or any early termination fees.

Source
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