Simplifi is a personal finance app designed to help users track their spending, create a budget, and achieve their financial goals. It is a product of Quicken, a well-established personal finance software company.
Key Features
Spending Tracking: Simplifi allows users to track their spending by connecting to their bank accounts, credit cards, and other financial institutions.
Budgeting: The app provides a simple and intuitive budgeting tool that helps users categorize their expenses and set financial goals.
Bill Tracking: Simplifi allows users to track their bills and receive reminders when payments are due.
Investment Tracking: The app provides a comprehensive view of users’ investments, including stocks, bonds, and other investment accounts.
Credit Score Monitoring: Simplifi offers free credit score monitoring, allowing users to track their credit score and receive alerts when changes occur.
Financial Goals: The app helps users set and achieve financial goals, such as saving for a down payment on a house or paying off debt.
Simplifi vs. Quicken Classic
The names cause real confusion. Simplifi and Quicken Classic are separate products from the same company, sold as separate subscriptions. Simplifi is the modern one: a mobile-first web and phone app for everyday budgeting, spending tracking, and bill reminders. Quicken Classic is the original desktop software for Windows and Mac, built for power users who want detailed reports, multi-year planning, and local data control. Small-business owners and landlords usually belong in Classic. Everyone else probably belongs in Simplifi.
Benefits
Easy to Use: Simplifi is designed to be user-friendly, making it easy for users to track their finances and achieve their financial goals.
Comprehensive View: The app provides a comprehensive view of users’ finances, allowing them to make informed decisions about their money.
Customizable: Simplifi allows users to customize their budget and financial goals to fit their individual needs.
Secure: The app uses robust security measures to protect users’ financial data, including 256-bit encryption and two-factor authentication.
Who Simplifi is actually for
Simplifi is built for beginners and light users who want automation without a learning curve. It is the natural landing spot for former Mint users: Mint shut down in January 2024, and Simplifi’s spending plan plus bill tracking covers most of what Mint did. Against YNAB, which costs $14.99 a month or $109 a year and demands strict zero-based budgeting, Simplifi is cheaper and more flexible. The tradeoff is the price of admission: there is no free tier, so the app has to earn its subscription every month.
Pricing
Free Trial: There is no traditional free trial; Quicken offers a 30-day money-back guarantee.
Monthly Subscription: $6.99 per month, billed annually, as of 2026 (promotional first-year pricing is often lower), making it an affordable option for users who want to track their finances and achieve their financial goals.
By providing a comprehensive view of users’ finances and helping them set and achieve financial goals, Simplifi is a valuable tool for anyone looking to take control of their financial lives.
Winchell House 