splasher said: Offline or keeping stuff in the "cloud" has not changed since 2013. With subscription Quicken (2018+), you can stay just as offline, the software AND data file just have to be associated with a Quicken Id to decide which edition you have a license to use.The big thing as mentioned by Chris_QPW is that when the subscription expires, you lose some of the screen to a "nag" panel about renewing.See this thread: Expiration-Vote