Software · head to head
Quicken vs Apple Pay
The short version
- Only Apple Pay has a free tier, so it costs nothing to try first.
- Each has a real cost: Quicken quicken Simplifi (cloud version) costs $3.99 annually if billed yearly, but renews at full price $6.99/month unless cancelled before renewal; Apple Pay apple Pay works only in countries and regions that support contactless payments and is not available in all markets
- They diverge on capability: Quicken covers Budget creation, Apple Pay covers Digital wallet.
Where they differ
Only the attributes on which Quicken and Apple Pay actually diverge.
Identical on both: 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 Quicken
- Budget creation
- Bill management
- Investment tracking
- Tax planning
- Investment accounts
- Windows support
- Mac support
Only in Apple Pay
- Digital wallet
- Secure payments
- Contactless transactions
- P2P money transfers
- Debit cards
- WatchOS support
- MacOS support
Both cover
- Bank accounts
- Credit cards
- IOS support
What people use each for
The jobs each tool is most often brought in to do.
Quicken
- Individuals managing personal finances via Quicken Simplifi cloud app for budgeting and savings trackingnot Apple Pay
- Freelancers and self-employed managing business and personal finances via Quicken Business & Personal plannot Apple Pay
- Users preferring local data storage via Classic desktop editionsnot Apple Pay
Apple Pay
- Contactless in store payment from iPhone and Apple Watchnot Quicken
- Paying in apps and on the web without entering card detailsnot Quicken
- Sending money between Apple users with Apple Cash and Tap to Cashnot Quicken
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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)
Apple Pay
- Apple Pay works only in countries and regions that support contactless payments and is not available in all markets
- Apple Cash is available only in the 50 United States, the District of Columbia and Puerto Rico
- Apple Cash Family accounts and Tap to Cash transactions are each capped at 2000 USD within a rolling seven day period
- Mac support requires a Touch ID equipped model
- A card works only if the issuing bank supports Apple Pay, and banks may charge their own overseas usage fees
Pricing, plan by plan
Quicken
$3.99/monthNo published plan breakdown. See the Quicken review.
Apple Pay
Free- FreeFree
- Secure payments
- P2P transfers
- Transit passes
Which should you pick?
Choose Quicken if
- You need budget creation.
- You work on Web, iOS, Android, Windows, macOS.
- You also want bill management.
Choose Apple Pay if
- You need digital wallet.
- You want to start without paying.
- You work on IOS, WatchOS, MacOS.
- You also want secure payments.
Questions people ask
- Is Quicken or Apple Pay better?
- Neither clearly leads. Quicken starts at $3.99/month and Apple Pay at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Quicken or Apple Pay?
- Apple Pay has a free tier; the other does not. Paid plans start at $3.99/month for Quicken and Free for Apple Pay.
- Does Quicken or Apple Pay run on more platforms?
- Quicken runs on Web, iOS, Android, Windows, macOS. Apple Pay runs on IOS, WatchOS, MacOS.
- Can I use Apple Pay for free?
- Yes. Apple Pay has a free tier, so you can try it without paying. Quicken starts at $3.99/month.
- What is Quicken best used for?
- Quicken is most often used for individuals managing personal finances via quicken simplifi cloud app for budgeting and savings tracking, freelancers and self-employed managing business and personal finances via quicken business & personal plan, users preferring local data storage via classic desktop editions. Of those, individuals managing personal finances via quicken simplifi cloud app for budgeting and savings tracking and freelancers and self-employed managing business and personal finances via quicken business & personal plan are not what Apple Pay is typically brought in for.
- What can Quicken do that Apple Pay cannot?
- Quicken covers Budget creation, Bill management, Investment tracking, Tax planning. Apple Pay covers Digital wallet, Secure payments, Contactless transactions, P2P money transfers. Both handle Bank accounts, Credit cards, IOS support.
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