I have desktop. I looked at online a few times but didn't like it. Originally it was that online was monthly and desktop I owned but now desktop is subscription as well. I dont like the fact that you cant use it after your subscription expires, used to be one you bought it you could use it forever. Given that almost all updates to QB is GUI facelifts I should just go back to the last version I had that you could own. Probably wouldnt notice a difference.