I appreciate your prompt reply, @Aussiebron. I also understand that there are things that keeps hurdling in your mind about your QuickBooks Desktop (QBDT) subscription. I am here to help clear things up about what will happen if you cancel your monthly QuickBooks Desktop accountant subscription.

Once your subscription is cancelled, @Radium1 is right that you will no longer be able to use or access your QBDT accountant. The company file will remain on your device, but you'll need to re-activate the subscription to open and view it.

You can, however, export your lists and transactions via Intuit Interchange Format (IIF) before cancelling your subscription to have a accessible copy of your data.

With regard to your account being locked out, there are several reasons why this happens. The first one is an invalid or forgotten password. If the credentials entered are incorrect or the username/password is unremembered, QBDT will restrict access until credential recovery is performed.

To fix this, you can recover your Admin password. Here's how:

1. Open QuickBooks Desktop.
2. From the login window, select I forgot my password.
   
3. If you created a password challenge question, enter your challenge answer on the next screen, or select download the automated password reset tool.
4. Follow the instructions in the tool to reset your password.

Other reasons are multiple login attempts, an expired QBDT subscription, and an outdated version of Desktop.

However, if you are firm in discontinuing your subscription, it is best to do it at least 5 days prior to your next billing to avoid any further charges, and you will also need to contact Desktop technical support to assist you with the process.

Having control and access to your QBDT data anytime is essential, especially when you want to update something. You can return here if you have additional questions by leaving a comment below.