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Accounting · head to head

Microsoft Excel vs Quadratic

Microsoft Excel logo

Microsoft Excel

Accounting

Spreadsheet software for data analysis and visualization

From
Free
Rated
-
Full reviewWebsite
Quadratic logo

Quadratic

Spreadsheets

Infinite-canvas spreadsheet that runs Python, SQL and formulas in the same grid

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Microsoft Excel free tier limited to 5 GB cloud storage and web-only access; Quadratic aI usage is metered as a dollar allowance rather than a flat entitlement, so a team that adopts the agent enthusiastically will exhaust 20 USD per user per month quickly and the true cost per seat becomes unpredictable.
  • They diverge on capability: Microsoft Excel covers Advanced formulas, Quadratic covers Multi-language cells.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Microsoft Excel and Quadratic actually diverge.

Attributes where Microsoft Excel and Quadratic differ
AttributeMicrosoft ExcelQuadratic
Pricing modelfreemiumPer user per month
PlatformsWindows, Macos, Web, Ios, AndroidWeb, macOS, Windows, Linux
CategoryAccountingSpreadsheets
Founded1975Unknown

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated).

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 Microsoft Excel

  • Advanced formulas
  • Pivot tables
  • Data visualization
  • Charts and graphs
  • Conditional formatting
  • Data analysis tools
  • Macro automation
  • Collaboration features

Only in Quadratic

  • Multi-language cells
  • Infinite canvas
  • Direct database connections
  • AI agent in the sheet
  • WebAssembly engine
  • Python package support

What people use each for

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

Microsoft Excel

  • Financial modelingnot Quadratic
  • Data analysisnot Quadratic
  • Budget planningnot Quadratic
  • Reportingnot Quadratic
  • Business intelligencenot Quadratic
  • Statistical analysisnot Quadratic

Quadratic

  • An analyst who wants a SQL result, a Python transformation and a set of manual assumptions visible in one file instead of three toolsnot Microsoft Excel
  • Ad hoc modelling where part of the logic is genuinely code and part is a judgement call typed into a cellnot Microsoft Excel
  • Sharing a reproducible analysis with a colleague who will only ever open a spreadsheet, not a notebooknot Microsoft Excel
  • Prototyping a data pull against a warehouse before committing it to a scheduled pipelinenot Microsoft Excel

Where each one falls short

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

Microsoft Excel

  • Free tier limited to 5 GB cloud storage and web-only access
  • Paid plans have per-user costs increasing significantly with more users
  • AI features like Copilot limited or unavailable on lower-tier plans

Quadratic

  • AI usage is metered as a dollar allowance rather than a flat entitlement, so a team that adopts the agent enthusiastically will exhaust 20 USD per user per month quickly and the true cost per seat becomes unpredictable.
  • Self-hosting is available only on the Enterprise plan, so an organisation that cannot send data to the vendor cloud has to enter a sales negotiation rather than run a container.
  • Excel and Google Sheets compatibility is partial, so files with heavy conditional formatting, pivot tables or macros do not survive a round trip and have to be rebuilt.
  • The product is young and the connector list is short, covering the main relational databases and two warehouses, so anything else has to be reached through Python code you write and maintain yourself.
  • There is no real mobile editing experience, which matters more than it sounds for a spreadsheet because approvals and quick checks routinely happen on a phone.

Pricing, plan by plan

Microsoft Excel

Free
  • Microsoft Excel (Free)Free
    • Excel for the web
    • Real-time collaboration
    • 5 GB cloud storage
  • Microsoft 365 Personal$9.99/month
    • Desktop Excel app
    • 1 TB cloud storage
    • Single user on up to 5 devices
  • Microsoft 365 Family$12.99/month
    • 1-6 users (AI features for subscription owner)
    • Up to 6 TB cloud storage (1 TB per person)
    • Each user up to 5 devices
  • Microsoft 365 Premium$19.99/month
    • 1-6 users
    • Extensive Copilot feature access
    • Exclusive advanced AI capabilities

Quadratic

Free
  • PersonalFree
    • Limited AI usage
    • Limited files and connections
    • Limited sharing
  • Pro$18/month
    • Billed annually
    • 20 USD of AI credits per month
    • Unlimited files
  • Business$36/month
    • Billed annually
    • 40 USD of AI credits per month
    • Advanced permissions
  • Enterprise$undefined/year
    • Quoted
    • Self-hosting option
    • Custom AI usage

Which should you pick?

Choose Microsoft Excel if

  • You need advanced formulas.
  • You want to start without paying.
  • You work on Windows, Macos, Web, Ios, Android.
  • You also want pivot tables.
Microsoft Excel review

Choose Quadratic if

  • You need multi-language cells.
  • You want to start without paying.
  • You work on Web, macOS, Windows, Linux.
  • You also want infinite canvas.
Quadratic review

Questions people ask

Is Microsoft Excel or Quadratic better?
Neither clearly leads. Microsoft Excel starts at Free and Quadratic at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Microsoft Excel or Quadratic?
Microsoft Excel starts at Free and Quadratic at Free.
Does Microsoft Excel or Quadratic run on more platforms?
Microsoft Excel runs on Windows, Macos, Web, Ios, Android. Quadratic runs on Web, macOS, Windows, Linux.
Can I use Microsoft Excel for free?
Both have a free tier, so you can try either at no cost before committing.
What is Microsoft Excel best used for?
Microsoft Excel is most often used for financial modeling, data analysis, budget planning, reporting. Of those, financial modeling and data analysis are not what Quadratic is typically brought in for.
What can Microsoft Excel do that Quadratic cannot?
Microsoft Excel covers Advanced formulas, Pivot tables, Data visualization, Charts and graphs. Quadratic covers Multi-language cells, Infinite canvas, Direct database connections, AI agent in the sheet.

Answered from the vendors’ own pages

Microsoft Excel: How much does Microsoft Excel cost?

Microsoft Excel is free as a web app with 5 GB storage. Paid options include Microsoft 365 Personal at $9.99/month for desktop apps and 1 TB storage, Family at $12.99/month for 1-6 users with 6 TB total storage, and Premium at $19.99/month with extended Copilot access.

Source
Quadratic: Do I need to know Python to use it?

No, formulas work on their own, but the reason to choose Quadratic over Google Sheets is the code cells, so a team with no Python will not get the value.

Microsoft Excel: Is there a free version of Excel?

Yes, Excel for the web is free and includes sharing, real-time collaboration, and 5 GB cloud storage accessible on web, iOS, and Android without subscription.

Source
Quadratic: What happens when the AI credits run out?

Prompting stops until the next monthly reset or until you move up a plan; the spreadsheet itself keeps working normally.

Microsoft Excel: What is the difference between Microsoft 365 Family and Premium tiers?

Family tier at $12.99/month supports 1-6 users with 6 TB total storage and standard features. Premium tier at $19.99/month allows extensive Copilot feature access and exclusive advanced AI capabilities including image creation and audio generation.

Source
Quadratic: Can it replace a BI tool?

Not for scheduled distribution or governed metrics. It is for exploratory work by one person or a small team, not for dashboards a hundred people read.

Quadratic: Is my database query sent to the vendor?

Connections run through the vendor service on all plans except Enterprise self-hosting, which is the option to take if that is unacceptable.

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