Welcome to the Community, @Rookie24. We appreciate your continued patronage of QuickBooks. 

Since you're currently using the Big Sur operating system, you will have no trouble upgrading to either Monterrey or Ventura. QuickBooks Desktop for Mac 2021 has system requirements that are compatible with these two operating systems, so you should be good to go. If you need more information about these requirements, we recommend checking out this article which provides additional details.: System requirements for QuickBooks Desktop for Mac 2021.

Moreover, it's worth noting that QuickBooks Online is a cloud-based subscription service. If you are interested in exploring this option, you can visit our website to learn more about its features and pricing.

Additionally, you can refer to this article to know the latest features and product improvements: Update and check for release notes for QuickBooks Mac.

I encourage posting your questions or concerns about the program here in the Community. We're available 24/7 to provide you with assistance. Have a great day ahead!