I have used Quicken for decades, back when it was not an annual fee. The only purpose is to download one credit card account and allocate those expenses. That's all. I don't use Quicken for anything else. Over the last couple of years, Quicken and Tangerine simply do not play nice with each other. Irregularly, transactions do not download. Usually it gets sorted in a few days. But this has become not worth the hassle. My choice is change bank or change system and download from the bank to a spreadsheet without the hassle and without paying an annual fee. The answer is pretty easy. I'm done.