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early this year.įor me, the main issues were crazy balances, and created ACCOUNTX items. I ran into these problems when converting 35 years of data from Quicken to Moneydance. The only long term solution I see to these is the support in Moneydance for more investment transaction actions, this though is not trivial development. If you just have bank type accounts the problems are minimal, if you have complex investment needs I expect to see more problems. Moneydance, in general, does a better job that a lot of programs but it is not perfect. This is fairly high level of the problems with QIF. * Some programmers seem to be 'creative' in the QIF files they create, and we have seen some that just basically seem to ignore parts of the spec, I can't see how some of them misinterpret some things.

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* Some vendors use transactions that are pretty free form, while these can be written to a QIF file, given that Moneydance follows accounting rules, importing them can have unforeseen impacts as Moneydance needs to make them valid from an accounting point of view and this need to be amended in some way. This mostly revolves around incorrect account types being used or confusing account/categories. * Given its heritage as a support format it is ambiguous in places, this really revolves around QIF assuming you have a pre-defined structure to load the data into, so that it does not need to define things in full, yet when doing a migration we are trying to use the data to create the structure, while it mostly works, there is scope for incorrect definitions to creep in at times and these need to be dealt with. This results in Investment accounts requiring the most cleanup, bank type accounts generally require little cleanup * QIF supports many types of transactions, however few vendors support all of the transactions types, this mostly impacts Investment Accounts. it was intended to be used as a support tool, so to unload and load transactions from and into a pre-defined account setup. * QIF was never designed as a migration format. The sort of issues fall into categories like: CSV is just not a defined format, it is just a table and OFX does not include things like categories. It is about the only format that facilitates the migration of data between all account types. The format is reasonably well defined, but it is not without its problems.

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Is the QIF format just not that rigid - do all financial software programs have different methods of writing and reading/parsing the enclosed data? The only other real option I seem to have now is returning to Quicken. GnuCash completely choked on my QIF - that quickly eliminated itself. I recently imported the same file into Banktivity - it successfully identified all securities transactions for each investment account, although its handling of debits and credits created large discrepancies on each purchase or sale, and those would take a lot of time and effort to correct, but probably less than the mess I see in Moneydance.

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I can't begin to imagine how I would pair all those securities transactions to their correct accounts - 100 manual transactions in the Moneydance trial doesn't begin to fix things. Only direct cash transfers seem to remain associated with these accounts. All the investment accounts give me warning boxes that no securities are associated with the accounts. Most of the investment accounts that held stocks and mutual funds had all the actual securities transactions stripped, and funneled into 2 investment accounts named for one of my checking accounts (the checking account exists separately as a bank account). Credit cards and closed bank accounts seem OK - they have very few issues. I was able to import my large QIF file with 25+ years of data into Moneydance, but many of the accounts have wildly errant balances. It is time for me to find a new financial management package, and I am running data import trials like I did in 2011. This year, all support for SEE Finance has gone silent, Web Connect data downloads are failing for some sites, and the program seems to be rapidly heading into abandonware.

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It won my business, and I followed it through 2 significant upgrade cycles.

I tried several programs, and found that SEE Finance handled the importing of data with the fewest problems.

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When Quicken for Mac stopped supporting Intel Macs in 2011, I had to seek a replacement that could handle stock option transactions.