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Personal Finance · head to head

Quicken vs Ramp

Quicken logo

Quicken

Personal Finance

Take control of your finances

From
$3.99/month
Rated
-
Full reviewWebsite
Ramp logo

Ramp

Accounting

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Ramp has a free tier, so it costs nothing to try first.
  • Each has a real cost: Quicken promotional pricing available only for annual billing; higher rates apply for monthly billing; Ramp procurement module unavailable on Free plan; available as add-on on Plus
  • They diverge on capability: Quicken covers Budget creation, Ramp covers Corporate cards.

Where they differ

Only the attributes on which Quicken and Ramp actually diverge.

Attributes where Quicken and Ramp differ
AttributeQuickenRamp
Starting price$3.99/monthFree
Free tierNoYes
PlatformsWeb, iOS, Android, Windows, macOSWeb, Mobile apps
CategoryPersonal FinanceAccounting
Founded19832019

Identical on both: pricing model (subscription), 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 Quicken

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

Only in Ramp

  • Corporate cards
  • Expense management
  • Bill pay
  • Accounting automation
  • Spend insights
  • QuickBooks
  • NetSuite
  • Xero

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 Ramp
  • Freelancers and self-employed managing business and personal finances via Quicken Business & Personal plannot Ramp
  • Users preferring local data storage via Classic desktop editionsnot Ramp

Ramp

  • Corporate expense management and automationnot Quicken
  • Accounts payable automation with AI invoice processingnot Quicken
  • Multi-currency travel and policy managementnot Quicken

Where each one falls short

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

Quicken

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

Ramp

  • Procurement module unavailable on Free plan; available as add-on on Plus
  • Workday and Oracle Fusion integrations limited to Enterprise tier only
  • Multi-entity functionality requires Plus tier or higher
  • Local card issuance in 30+ countries limited to Enterprise tier
  • Advanced ERP integrations require higher tier selection

Pricing, plan by plan

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

Ramp

Free
  • FreeFree
    • Unlimited physical and virtual corporate cards
    • Receipt collection and matching
    • AI-powered OCR invoice capture
  • Plus$15/month
    • All Free plan features
    • Auto-lock cards for compliance violations
    • 24/7 phone support
  • Enterprise$null/year
    • All Plus plan features
    • Custom pricing
    • Workday and Oracle integrations

Which should you pick?

Choose Quicken if

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

Choose Ramp if

  • You need corporate cards.
  • You want to start without paying.
  • You work on Web, Mobile apps.
  • You also want expense management.
Ramp review

Questions people ask

Is Quicken or Ramp better?
Neither clearly leads. Quicken starts at $3.99/month and Ramp at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Quicken or Ramp?
Ramp has a free tier; the other does not. Paid plans start at $3.99/month for Quicken and Free for Ramp.
Does Quicken or Ramp run on more platforms?
Quicken runs on Web, iOS, Android, Windows, macOS. Ramp runs on Web, Mobile apps.
Can I use Ramp for free?
Yes. Ramp 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 Ramp is typically brought in for.
What can Quicken do that Ramp cannot?
Quicken covers Budget creation, Bill management, Investment tracking, Tax planning. Ramp covers Corporate cards, Expense management, Bill pay, Accounting automation.

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
Ramp: How much does Ramp Plus plan cost?

Ramp Plus plan costs $15 USD per user per month plus a platform fee based on team size. Annual billing provides a 20% discount compared to monthly billing.

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
Ramp: What accounting systems does Ramp integrate with?

Ramp Free and Plus plans integrate with QuickBooks Online and Xero. Plus plan adds access to additional ERP systems, and Enterprise plan supports Workday, Oracle, and advanced options.

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
Ramp: Does Ramp offer a free plan?

Yes, Ramp Free plan includes unlimited corporate cards, AI invoice capture, receipt collection, multiple payment methods, QuickBooks and Xero integrations, and 24/7 chat support. No pricing is charged for the Free tier.

Source
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