I would not recommend Quickbooks, either online or the Windows or Mac version.  It will do what you want it to do, but it will also give you gray hair and heartburn.<p>I would recommend repurposing Xero for personal use.  It will give you the cash or accrual method reports you want, and (in my experience) is less bad from the user&#x27;s point of view.<p>One recurring problem is that banks don&#x27;t always play nicely with these services.  I am moving 10 companies off Quickbooks to Xero (four are there already).<p>I watched my sister-in-law (a bookkeeper with multiple businesses on Quickbooks) go ballistic because a bank had arbitrarily changed its systems and Intuit has been unable&#x2F;unwilling to fix the problem.  Naturally, the bank points the Finger of Blame at Intuit, and Intuit says it&#x27;s the bank&#x27;s fault.  Intuit suggests fixes that -- on its own website there is a warning about this -- wipe out all of your historic data.<p>FWIW, I have seen people have intermitten problems with Citi credit cards and Quickbooks.  Not sure why.  I personally have Citi credit cards on Xero and they sync just fine.<p>Yeah, cloud.  I know.  Sigh.