Update Quicken 2015 for Mac?

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Update for Quicken 2015 for Mac? I recorded a transaction with my Quicken 2015 for Mac tonight. Tonight, after starting the app, the annoying pop up ad told me I have until next month to update to Quicken 2018. After that Quicken 2015 will no longer "work." What is going on with Intuit? Am I understanding this right? Are they that greedy that they're going to hold customers hostage until they shell out another $40+? What kind of way is this to treat customers? I've used this Quicken software since 1992 and as a customer, I expect to be treated fairly. 
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Joseph Sullivan

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Posted 5 months ago

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Gary Fortman

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Quicken 2015 will expire on 4/30/2018. After that time you can use it manually, no upgrades, and downloading from your FI will cease. Three years for a $40 software purchase is more than fair. I personally would buy QM 2017 (if you can find it), QM2018 has MANY issues.
(Edited)
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Joseph Sullivan

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I disagree. I guess $40 to me is a lot of money. If Inuit is setting a deadline for forcing customers into an upgrade then that means that Intuit is going to "break" Quicken 2015 for Mac on purpose to squeeze more $$$$ out of users.
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syclonefx

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You stated QM2018 "has MANY issues. Why to you think it is fine for Intuit to force me to buy a buggy product, when I have one that has worked for for the past 3 year? 
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Gary Fortman

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If you think $40/year is "a lot of money", perhaps go back to your abacus. If you use Quicken 2015 Mac  without download, you got a bargain.  If you need the downloads from your FI, $40/year is a bargain. QM2015 will work (manually) until Apple breaks it with an OS upgrade.
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Joseph Sullivan

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Obviously you are a lot better off than I am. We definitely have a different definition of the word "bargain." If I had an abacus, I would "go back to it" because I don't think that an ancient Chinese Mathematician would treat his customers with so much disrespect and contempt. 
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Gary Fortman

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Joseph, If $40 for three years for you is too much, I think Quicken would not want you as a customer. Maybe you want something for $1 for forever?
(Edited)
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syclonefx

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I just got this same popup and I would like to know why it will stop working. They only way it could stop working is if Intuit / Quicken breaks it on purpose to force us to buy a working version. 
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Joseph Sullivan

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Exactly!! Doing business this way shows disrespect for the customers who buy Intuit products!
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smayer97 (QM2007, CDN user since '92), SuperUser

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Because of history, QMac users go used to never having their software expire. But around 2007, Intuit introduced expiration of online functionality only. QM2007 was released before this and when Quicken Essentials for Mac (QEM) was released in 2010 (this was a completely new rewrite of Quicken for Mac), it was excluded from this policy.

When QM2015 was released in late 2014, which is built on the new QEM, Intuit decided to implement the same 3 1/2 year expiration cycle as is being used in their QWin products. 

Unfortunately, as has been typical of Intuit and Quicken, this information was not expected and many users, like yourself, clearly missed this important detail. 

NOTE: Quicken is now a separate company and is no longer owned by Intuit (except they still own the Quicken name brand and still supply the service for online connectivity for some of the downloading functionality). 

So what does this expiration mean? It means that your software will continue to function in manual mode but access to any features that require online access, including downloading data from FI/banks to load into Quicken expires and will be automatically disabled.

You options are to continue to use QM2015 by doing data entry manually or to buy a subscription membership for 2018. 

Note that if you do not rely on online functionality, you do not need to do anything, unless  you want to use any of the features. Shop around as you can get some good deals from third party suppliers for subscriptions that range from 12 to 27 months, e.g. Amazon.

Note too that as long as you do not buy the Starter edition, you can always opt out of the auto-renewal function (via your Quicken.com account) and when your software expires, it will be the same as any other expired software (the Starter edition makes your data read-only when it expires).

(If you find this reply helpful, please be sure to click "Like", so others will know, thanks.)
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Joseph Sullivan

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I guess I disagree with this philosophy of treating customers poorly. Maybe the reason why Quicken is now a "separate company" is that their business practices drive customers away? "Three and a half years Expiration Cycle?" "Subscription Service?" I hope I was buying software, not renting a service. This "explanation is pretty lame for a product that has been around as Quicken has. At this point, I'd prefer using a paper and pencil to balance my checking account. Shame on the individuals responsible for this decision. Perhaps if enough customers choose different software, Quicken will adjust this "policy" into something that is a bit more fair to customers.
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jacobs, SuperUser

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Joseph, I'm quite sure that the intent of Quicken is not to "treat customers poorly". Any company that does so ends up losing customers, losing revenue, and eventually going out of business.

What I think you may be missing is the reason there is an ongoing expense for Quicken. If you use it to enter your transactions manually, as a minority of Quicken users do -- and if you are okay with not receiving bug fixes, security updates, and new features -- you can continue to use Quicken pretty much indefinitely (until such time in the future as some Apple update to the operating system breaks something in the software you're using).

But if you are a Quicken user who likes, or depends on, downloading transactions from your financial institutions rather than entering them manually, there is an actual cost to Quicken to provide those services. First, there are the servers they run to download and process transactions. Second, there is the need to have programmers constantly making changes to code to deal with multiple thousands of financial institutions making ongoing changes to their login screens and long procedures for security and marketing reasons. Quicken can't provide those ongoing services for free; users need to pay for them in some way. For the past decade, it was that Quicken sold products with three years of download life, which forced users to purchase newer versions every three  years. Recently, the slightly changed the system such that users can pay for 12, 24 or 27 month-long terms on download services. (They also bundle all software updates, as well as free customer support, as part of the cost.) Unlike other software you've licensed which doesn't need to change, Quicken needs constant change to keep up with changes from the financial institutions. 

Now, you are certainly entitled to decide the cost of the upkeep of Quicken isn't worth it to you, and to turn to other software, or to paper and pencil. Each of us uses Quicken differently, and each of us may place a different value on how much time and effort Quicken saves us. Is it worth $40/year to me to manage all my personal financial information, with my two-decades of history, in one place? To me, yes. Do I wish it was free indefinitely? Sure! Do I wish it was, say $10/year instead of $35-$45? Of course; no one wants to pay more. But Quicken has to take in enough money to maintain the software and stay in business, so we each have a choice of either paying to stay current, using our existing versions for free with manual data entry, or moving on to other software.   
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Gary Fortman

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Joseph, Oh my goodness, If I "buy" software I can assume it will work forever for me? Will NEVER happen.  You never "buy" software, you purchase a "license" to use it for whatever term the seller tells you. If $40/yr or 2-3 years is too much for you, go back to your abacus or excel spreadsheet. Software is not forever!!
(Edited)
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smayer97 (QM2007, CDN user since '92), SuperUser

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No need to get personal...Everyone has to assess the value for themselves. Bottom line is that all software is licensed. And instead of charging a large one time fee to use software, more companies are moving to a subscription-based license...and again, this is nothing new for Quicken, who have used this model for over 10 yrs with QWin, but it is newer for QMac users, though it is in the license agreement when you installed the software.

Your choice is to accept the new terms or use something else. And if you shop around, you can get some very good deals that make it not too unreasonable (though that is a relative term).


(If you find this reply helpful, please be sure to click "Like", so others will know, thanks.)
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Robin Winslett

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My problem is that my operating system is not compatible with the new software. I tried to upgrade already and couldn’t get it to work. So in order to continue with Quicken I have to purchase a new computer. Guess I’ll be looking for a new solution.
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Robin Winslett

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OS X Yosemite Version 10.10.5 - I purchased the Quicken upgrade but found it isn’t compatible with the OS I have. I can’t upgrade the OS because the PC is 8 years old. Still works fine though. Don’t want to stop using Quicken but not sure it’s worth buying a new Mac to solve it.
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jacobs, SuperUser

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Robin, you may have already exhausted the possibilities already, so pardon me if this covers stuff you already know...

To run Quicken 2018, you need to be running macOS 10.11 (El Capitan) or higher. Your old Mac may not be able to run the current macOS 10.13 High Sierra, but can it run El Capitan? If your Mac is 8 years old, it almost certainly can run El Capitan -- any Mac from 2009 or later will run El Capitan. You might want to visit this Apple Support page which lists the models of Macs that will run El Capitan, and also provides a link to download the El Capitan installer, which you can't otherwise find on the Mac App Store.

Editing to add: If you do find you can run El Capitan, the normal caveats apply about making sure you have your Mac data backed up before running the installer, just in case somethig goes wrong.
(Edited)
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Robin Winslett

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Thanks. I was able to upgrade to El Capitan and the new Quicken. Very happy!
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jacobs, SuperUser

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Great! Glad that worked out. 
Also...I have a Late 2009 MacBook (white clamshell) and it runs High Sierra macOS 10.13 just fine.

I would check to see if your model can move to Sierra or High Sierra as well.

The reasoning behind this is that Quicken can change the OS requirements of the subscription model of Quicken as further updates occur and further macOS upgrades occur.  

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