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I was considering upgrading to Premier 2018 just because that it's been a year since Quicken split from Intuit and I figured that by now the Premier 2018 would be a more stable product than the 2017 version.That being said I'm concerned that if Quicken is changing their pricing model to be a 100% subscription model just to use the basic functionality of the software and to download credit card and stock transactions it may not be worth the money. In a way, Quicken has been a subscription product for some years now if you use it for downloading bank and credit card information.

If I stick with my 2016 copy is it correct that my ability to download will end January 2019 and if I find a copy of Premier 2017 I could download until January of 2020? This means that upgrading now would mean I would pay more but be able to use the download services for approximately a year and a half shorter time. And I bill pay through my bank's website and/or mobile app for free.Also I noted that Amazon is selling a copy with a 27 month subscription and at their current price this equates to a subscription rate of .81 a month whereas a one year upgrade thru Quicken would equate to a monthly subscription of .62. Yes, Amazon currently have an offer of a 27 month subscription, I don’t know how long that applies for or if they or other retailers might have better offers at some point.Seems that if I'm forced to upgrade Amazon has a better deal. If you want to continue downloading from banks and other financial institutions you will at some point need to upgrade. Consider how much the capabilities of Quicken are worth to you; ultimately only you can say if .62 per month represents value to you.So what, exactly, does this subscription thing mean to me?Is the subscription for Quicken Online or is the subscription for the basic software functionality that would include the ability to download credit card and stock quotes? Based on the limited changes that Quicken is making to the Quicken Premier the only reason for me to upgrade to a newer version is for product support which I understand was previously limited to the current version and 2 versions back.

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