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Fidelity vs Quicken

Fidelity logo

Fidelity

Software

Building a better financial future

From
On request
Rated
-
Full reviewWebsite
Quicken logo

Quicken

Software

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 quicken Simplifi (cloud version) costs $3.99 annually if billed yearly, but renews at full price $6.99/month unless cancelled before renewal
  • They diverge on capability: Fidelity covers Commission-free trading, Quicken covers Budget creation.

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 (Unknown).

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

  • Quicken Simplifi (cloud version) costs $3.99 annually if billed yearly, but renews at full price $6.99/month unless cancelled before renewal
  • Renewal pricing significantly higher than introductory rate; annual cost jumps from $47.88 (promotional) to $83.88 (regular renewal)

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

No published plan breakdown. See the Quicken review.

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.
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