A:Answer As with all items these days they all require a subscription. Ultimately you can use Quicken 2016 Windows and Mac until April 30, 2019 per Quicken online at which time they will stop all support but your data file would still be available and as I understand it you would still be able to enter transactions manually. You would need the subscription to use any online aspect, to get updates/support, and use on any mobile devices. I have also read the an expire subscription service would still leave you with your file on your local computer but would stop all update aspects, automatic downloads of your financial info, and you wouldn't have access to your info via any mobile devices. Use would be specific to the desktop with the program/file.