It uses a strategy called 'zero-sum budgeting.' Every cent you earn must have a plan, whether it goes toward groceries, rent, or savings. You Need a Budget (YNAB) focuses purely on budgeting. Quicken, on the other hand, is only available by phone or chat from 5:00 a.m. Personal Capital has 24/7 customer support via phone or email. Even with these drawbacks, this alternative still manages to pack in lots of useful money management features. There's no option to create budgets for different spending categories. On the downside, you can only set a general monthly budget. Plus, it's a completely free alternative to Quicken. Personal Capital excels in investment tracking by offering personalized investing advice and deeper insights for your retirement planning. You can see all your finances in one place, including your net worth over time and your investments. Like Quicken, Personal Capital tracks your spending patterns and categorizes them. If you want a full picture of your finances, Personal Capital is your best bet. Today, one of the best free alternatives to Quicken is Personal Capital which lets you monitor all your financial accounts in one place. But Intuit dropped the program after it bought Mint. Quicken used to offer a free program called Quicken Online.