Cloud Sync Still Unsafe in Quicken Classic for Mac — Long‑Term Users Need a Real Fix

I’m running Quicken Classic for Mac Premier Version 8.4.2 (Build 804.59835.100) on macOS, and it’s extremely disappointing that the cloud sync feature is still not safe for long‑time users with large historical datasets and multiple investment accounts. This is not a new complaint — many of us have been raising this issue for years — and Quicken has yet to address the underlying architectural flaws.

The core problem is unchanged: Quicken Cloud is not a full structural mirror of the desktop file. It still flattens transfers, simplifies investment activity, and fails to preserve the relational integrity of historical data. Because of this, sync continues to introduce corruption risks for anyone with more than a few years of data or any meaningful investment history.

In the past, enabling sync corrupted my file — broken transfers, duplicated transactions, incorrect investment balances. Version 8.4.2 does not fix the root cause. The sync engine still relies on a lossy, incomplete cloud dataset that simply cannot maintain fidelity with the desktop data model.

What makes this worse is that users have been reporting these issues for years, and Quicken has not provided a real solution or even acknowledged the architectural limitations. I’m tired of repeatedly asking for a fix while the product continues to be marketed as offering full mobile/web sync for all subscribers — including Premier subscribers like me who are paying for the highest tier. That claim is misleading. The feature is not technically capable of handling real‑world datasets used by long‑term customers.

If Quicken intends to charge for cloud‑enabled functionality, then the sync engine needs a complete architectural overhaul, not more incremental patches. At minimum, Quicken should be transparent that cloud sync is not suitable for users with extensive histories or investment accounts.

If you’re a long‑time user who has experienced similar issues, please upvote this. Quicken needs to take this seriously and stop ignoring a problem that affects the customers who rely on the product the most.