You've come to the right place, @rwolfb-gmail-com. I'd be glad to provide some ideas about the versions you can use for personal accounting.

There are a few options to consider when choosing a product for personal use. The base tier of QuickBooks Online is Simple Start. With this version, you can track income and expenses, organize receipts, run basic reports, etc. 

For additional info about the plans and pricing, you may check out this link: https://quickbooks.intuit.com/pricing/.

Otherwise, you can look for other applications that may suit your business needs. 

I'm also adding this resource in case you'll need a guide on how to start and manage your QuickBook Online account: Get started with QuickBooks Online

I wish you continued success. Keep me posted if you need further details about our product in QuickBooks. I'll be more than happy to share some ideas with you. Take care.