My Quicken Deluxe is up for renewal. I believe that the Starter version has all the functionality that I need. I use Quicken to connect and download to all my financial institutions - bank, credit card, investments etc; I categorize and report on the transactions with custom reports (spending, portfolio etc); track tax transactions. I don't need online billpay or any complex budgeting or investment stuff. But I do want to be sure that if I downgrade to Starter, that I can continue performing the above listed. It would appear from the comparison charts that I should be good. Is this the case? And has anyone downgraded and encountered issues? And if it transpires that upon downgrade that I have lost some functionality - can I upgrade back to Deluxe without issue??