OnPay vs Quicken
A head-to-head comparison to help you pick the right tool
Last updated: April 30, 2026
OnPay
OnPay is a full-service payroll and HR platform designed for small and mid-size businesses. It offers unlimited payroll runs, automatic tax filing, and built-in HR tools at an affordable flat rate. OnPay is consistently rated as one of the best value payroll solutions for small businesses and supports a wide range of industries including restaurants, farms, and nonprofits.
Quicken
Quicken is a personal finance and small business accounting tool with decades of history. It helps small business owners track income, expenses, invoices, and taxes with a desktop-first approach.
Pros
- ✓Excellent value — flat monthly pricing with no per-run fees
- ✓Supports multiple pay schedules and unlimited payroll runs
- ✓Strong industry-specific features for restaurants, farms, and nonprofits
- ✓US-based customer support included on all plans
Cons
- ✗US-only — no international payroll support
- ✗Mobile app is less polished than competitors
- ✗Limited advanced HR features compared to full HRIS platforms
Pros
- ✓Long track record and trusted brand
- ✓Good for very small businesses and sole traders
- ✓Strong personal finance features
- ✓One-time or annual pricing
- ✓Desktop and mobile access
Cons
- ✗Feels dated compared to cloud-native tools
- ✗Desktop-first approach limits collaboration
- ✗Not suited for growing businesses
- ✗Limited integrations
OnPay vs Quicken: Side by Side
| Factor | OnPay | Quicken |
|---|---|---|
| User Rating | N/A | N/A |
| Category | Payroll Software | Accounting Software |
| Pricing Model | Paid | Paid |
| Starting Price | $40/mo + $6/person | Contact for pricing |
| Best For | Small businesses wanting affordable, full-service payroll with no hidden fees | Sole traders and very small business owners wanting a simple trusted tool for basic bookkeeping and personal finance tracking |
| Our Pick | — | — |
OnPay Features
- ✓Unlimited payroll runs
- ✓automatic tax filing
- ✓direct deposit
- ✓employee self-service
- ✓HR tools
- ✓benefits administration
- ✓PTO management
- ✓integrations
Quicken Features
- ✓Personal finance
- ✓budgeting
- ✓investment tracking
- ✓bill management
- ✓tax planning
- ✓reporting
Pricing Comparison
Our Take
Choose OnPay if small businesses wanting affordable, full-service payroll with no hidden fees. Choose Quicken if sole traders and very small business owners wanting a simple trusted tool for basic bookkeeping and personal finance tracking.
Best For
Small businesses wanting affordable, full-service payroll with no hidden fees
Best For
Sole traders and very small business owners wanting a simple trusted tool for basic bookkeeping and personal finance tracking
Also Consider
If neither OnPay nor Quicken is the right fit, Multiplier is worth evaluating.
Multiplier
Startups and SMBs hiring internationally on a budget
From $40/contractor/mo
Frequently Asked Questions
What is the difference between OnPay and Quicken?
OnPay is best for small businesses wanting affordable, full-service payroll with no hidden fees. Quicken is best for sole traders and very small business owners wanting a simple trusted tool for basic bookkeeping and personal finance tracking.
Which is better, OnPay or Quicken?
Choose OnPay if small businesses wanting affordable, full-service payroll with no hidden fees. Choose Quicken if sole traders and very small business owners wanting a simple trusted tool for basic bookkeeping and personal finance tracking.
How much does OnPay cost?
OnPay starts at $40/mo + $6/person. Pricing model: Paid.
How much does Quicken cost?
Visit Quicken website for current pricing.
Who should use OnPay?
Small businesses wanting affordable, full-service payroll with no hidden fees
Who should use Quicken?
Sole traders and very small business owners wanting a simple trusted tool for basic bookkeeping and personal finance tracking