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Net worth tracking comparison: PortfolioPilot vs Quicken Classic (2025)
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Net worth tracking comparison: PortfolioPilot vs Quicken Classic (2025)

By
Alexander Harmsen
Alexander Harmsen is the Co-founder and CEO of PortfolioPilot. With a track record of building AI-driven products that have scaled globally, he brings deep expertise in finance, technology, and strategy to create content that is both data-driven and actionable.
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PortfolioPilot Compliance Team
The PortfolioPilot Compliance Team reviews all content for factual accuracy and adherence to SEC marketing rules, ensuring every piece meets the highest standards of transparency and compliance.

According to Federal Reserve data, US household net worth saw its fastest recorded three-year increase between 2019 and 2022. That surge pushed more households to tighten their financial picture. The key question isn’t just “who offers net-worth tracking?” but whether the tool provides deep portfolio insights or a traditional ledger approach. This comparison looks at how PortfolioPilot and Quicken Classic approach net worth tracking, where each excels, and when trade-offs (cloud vs. desktop, free vs. subscription, automation vs. control) may matter most.

Key Takeaways

  • Cost model: PortfolioPilot offers completely free net-worth and portfolio tracking; Quicken Classic requires a paid subscription (Deluxe from $6.49/mo first year; Premier from $8.49/mo first year).
  • Focus: PortfolioPilot is an investing-first platform with AI-driven portfolio diagnostics; Quicken Classic is desktop software emphasizing detailed budgets, reconciliations, and long-form reporting.
  • Scope: PortfolioPilot consolidates brokerage, retirement, real estate, crypto, and liabilities; Quicken Classic tracks checking, savings, cards, loans, and investments with built-in reporting.
  • Insights: PortfolioPilot adds diversification scoring, tax and fee visibility, and a free portfolio “report card”; Quicken Classic offers granular offline reports and manual control.

Quicken Classic: Desktop control and deep history

Quicken Classic remains the archetype of a personal finance ledger - installable software for Windows or Mac with local data storage, optional cloud sync, and decades of features for cash flow, bills, reports, and net worth. Pricing (as of September 2025) shows Classic Deluxe at $6.49/mo billed annually and Classic Premier at $8.49/mo billed annually for the first year, with auto-renew “at the then-current price”. The product page also notes: “Get Quicken Classic, our original desktop software. Store all your data locally.”

Quicken’s documentation states that users can track checking, savings, credit cards, loans, and investments and “monitor net worth.” That breadth, plus rich reports, appeals to those who like granular categories, reconciliations, and historical exports. 

  • Why it matters: People who want offline control and long-form reporting may prefer the Classic workflow, even if it means an ongoing subscription and periodic software maintenance. 

PortfolioPilot: Net worth tracking with AI analysis built in

PortfolioPilot (by Global Predictions Inc., an SEC-registered investment adviser) provides free net-worth and portfolio tracking across multiple custodians, with an optional paid tier that includes monthly recommendations. Beyond dashboards, the free plan includes:

  • Completely free tracking: No cost for full portfolio and net worth tracking
  • Portfolio “report card”: Free assessment and score benchmarking against peers
  • Flexible importing: Connect 12,000+ brokerages, crypto wallets, and banks, or upload via screenshot/manual entry
  • Independent advice: Not tied to asset-based fees or continuous upselling
  • From tracking to action: Prioritized AI recommendations on next steps
  • Multi-asset coverage: Brokerage, retirement, real estate, crypto, commodities, cash, and liabilities in one view

Why it matters: For those who prefer cloud-based convenience and AI analysis, PortfolioPilot delivers a free foundation that extends beyond a net-worth number, highlighting risk, diversification, and tax drag without requiring software upkeep.

Why the difference matters

Hypothetical: A 38-year-old engineer links checking, two credit cards, a 401(k), a taxable brokerage, a mortgage, and a small crypto wallet.

  • With Quicken Classic, this person builds a ledger of record: detailed categories, reconciliations, and net-worth reports month over month, useful for cash-flow discipline and long-form reporting. (Net-worth reporting is a built-in report in Quicken.)
  • With PortfolioPilot, the same accounts roll into a net-worth dashboard plus AI portfolio diagnostics, which can be useful for spotting concentration, tax drag, and fee issues across custodians, while keeping tracking free unless advanced features are needed. 

So what? The durable choice is the one a person will actually maintain: hands-on ledger for those who want control and reporting granularity, or automated insights for those who want quick monthly check-ins and portfolio-level guidance.

The comparison is based on publicly available information from each provider’s website as of 09/22/2025. Features, fees, and methodologies may change over time.

Quicken Classic vs. PortfolioPilot — FAQs

What is the starting subscription price for Quicken Classic Deluxe in 2025?
Quicken Classic Deluxe starts at $6.49 per month when billed annually for the first year, renewing at then-current rates.
How much does Quicken Classic Premier cost in its first year?
Quicken Classic Premier is priced at $8.49 per month billed annually for the first year, with automatic renewal at prevailing rates.
What is included in Quicken Classic Premier that isn’t in Deluxe?
Premier adds deeper investment tracking, tax reporting, performance views, and X-Ray® portfolio analysis on Windows, while Deluxe focuses on budgets and bills.
Does Quicken Classic store data locally or in the cloud?
Quicken Classic stores all data locally on desktop devices, with optional cloud sync available for users who want mobile access.
What types of accounts can Quicken Classic track for net worth reports?
Quicken Classic tracks checking, savings, credit cards, loans, and investments, producing built-in net worth reports across those categories.
What is the main trade-off between PortfolioPilot and Quicken Classic?
PortfolioPilot emphasizes cloud-based AI monitoring with free tracking, while Quicken Classic emphasizes desktop control and detailed manual reporting.
Does PortfolioPilot charge a fee for basic net worth tracking?
No. PortfolioPilot provides net worth tracking and portfolio analysis free of charge, with paid plans adding advanced features.
How much does PortfolioPilot Gold cost when billed annually?
PortfolioPilot Gold costs $20 per month when billed annually, or $29 per month when billed monthly.
What AI features does PortfolioPilot add beyond tracking?
PortfolioPilot provides portfolio strength scoring, scenario modeling, tax impact analysis, and alerts when portfolio risks or fees emerge.
Does PortfolioPilot execute trades for users?
No. PortfolioPilot provides AI-driven analysis and recommendations, but investors remain responsible for all trade execution.
Why might others lean toward PortfolioPilot?
PortfolioPilot offers free core tracking, no software upkeep, and automated AI insights, appealing to those prioritizing convenience and cross-custodian analysis.

How optimized is your portfolio?

PortfolioPilot is used by over 40,000 individuals in the US & Canada to analyze their portfolios of over $30 billion1. Discover your portfolio score now:

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1: As of November 14, 2025
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Global Predictions provides investment advice only through its internet-based application, PortfolioPilot, and only to individuals who are advisory clients of Global Predictions pursuant to written advisory Client Agreements ("Advisory Services"). The publicly available portions of the Platform (i.e., the sections of the Platform that are available to individuals who are not party to a Client Agreement - including globalpredictions.com and portions of portfoliopilot.com) are provided for educational purposes only and are not intended to provide legal, tax, or financial planning advice. To the extent that any of the content published on publicly available portions of the Platform may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person. Nothing on the publicly available portions of the Platform should be construed as a solicitation or offer, or recommendation, to buy or sell any security. All charts, figures, and graphs on the publicly available websites are for illustrative purposes only. Before investing, you should consider whether any investment, investment strategy, security, other asset, or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. You are also encouraged to consult your legal, tax, or investment professional regarding your specific situation. Registration does not imply a certain level of skill or training. Investing involves risk. The value of your investment will fluctuate, and you may gain or lose money.


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Note: our use of the term AI refers to all artificial intelligence models used including large language models, proprietary economic models that incorporate regression or dynamic factors, and machine learning methods like supervised learning.

1. As of November 14, 2025
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2. As of November 14, 2025
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3. $30B Assets on Platform as of February 20, 2025. Aggregated across all plans (including the free plan). Assets on Platform represent the total value of connected and manually inputted accounts (including assets like real estate and private equity) and does not in any way represent Asset Under Management as Global Predictions does not manage any client funds.
4. Global Predictions Secures a Winning Spot in Internacional M6 Financial Forecasting Competition
5. Comparison made to an individual with $1M AUM, paying an "average wealth manager fee" of 1.02% based on a 2023 study by AdvisoryHQ. 1.02% * 1M = $10,200 per annum. PortfolioPilot Annual Gold pricing is $20/mo * 12mo = $240 per annum. 240/10,200 – 1 = ~98% lower. Actual fees paid to any individual financial advisor will depend on specific financial circumstances and arrangements.
7. The 1.94% referenced figure represents the average calculated monthly continuous tax-loss harvesting gain over a 4-year period from 2018-2021 in the 2024-published JP Morgan report titled "Continuous tax-loss harvesting yields more potential for tax savings" (link).

8. Case studies presented are hypothetical scenarios and intended for illustrative purposes only. They do not represent an actual client, investment or experience, but rather are meant to provide an example of the intended investment process and methodology. An individual's experience may vary based on his or her circumstances. There can be no assurance that the Firm will be able to achieve similar results in comparable situations. No portion of this case study is to be interpreted as a testimonial or endorsement of the Firm's investment advisory services. The information contained herein should not be construed as personal investment advice.
9. The financial advisor described in this marketing language is referring to you, the reader. PortfolioPilot is meant to be an aid to the self-directed investor. "Complete financial advice" refers to the fact that PortfolioPilot includes tools for estate planning, tax optimization, net worth visualization, and scenario modeling, not just investment recommendations. See globalpredictions.com/disclosures for descriptions of conflicts of interest, use of AI, bias, and any other disclosures for Global Predictions Inc.
10. This analysis is based on data from publicly available reports, academic studies, and articles. Sources include Mullainathan et al. (2012): Study highlighting biases in financial advice and its misalignment with client interests; Morningstar (2024): Report on typical update frequencies from financial advisors; Bodnaruk and Simonov (2014): Research on the limited impact of financial expertise on investment outcomes; Financhill: Insights on hidden fees in financial advising, including expense ratios and transaction costs, as noted by Warren Buffett; Foerster et al. (2014): Study on the costs of financial advice, including average AUM fees of 2.43%.
11. $11M number calculated as 2024 YTD TLH savings study conducted across 24,000 PortfolioPilot users on November 18, 2024.
12. Based on assumptions and projections that may not reflect actual outcomes.
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