# Alternatives to Simplifi

Quicken's lightweight cloud sibling.

Simplifi ranks #3 of 14 in Budgeting apps, with an Alt Score of 82. It is proprietary, sold by subscription from $2.99/month and available on Web, iOS and Android. 10 of 10 checklist rows are verified against a public source.

Source: https://altcatalog.com/alternatives/simplifi/
Category: Budgeting apps

## Where Simplifi stands out

- **Envelope / zero-based budgeting** — 5 of 13 apps with a verified answer have this
- **Subscription price** — 6 of 14 apps with a verified answer have this

## Overview

- **Who it's for**: People who want a single web/mobile app to track day-to-day spending and manage a household budget without manual spreadsheet work, including couples or households coordinating shared finances.
- **What you get**: Simplifi links to your bank, credit card, investment, and loan accounts (14,000+ institutions) and auto-categorizes transactions into a consolidated view. It generates a personalized 'spending plan' from your income minus recurring bills, showing a daily/monthly spendable amount rather than fixed category budgets. You also get customizable savings goals with progress tracking, bill and subscription reminders, spending reports, and cash-flow/net-worth projections.
- **How it works**: You connect your financial accounts, and Simplifi pulls in and categorizes transactions automatically to build your spending plan. From there you monitor spending against the plan, set up savings goals, and review reports and projections on the web app or mobile app as new transactions come in.

## Profile

- **License**: Proprietary (verified 2026-07-11)
- **Pricing model**: Subscription (verified 2026-07-11)
- **Starts at**: $2.99/month (verified 2026-07-11)
- **Platforms**: Web, iOS, Android
- **Status**: active (verified 2026-07-11)

## Ranked alternatives

| # | App | Alt Score | Licence | Platforms |
|---|-----|-----------|---------|-----------|
| 1 | [Lunch Money](https://altcatalog.com/alternatives/lunch-money.md) | 86 | Proprietary | Web, iOS, Android |
| 2 | [Quicken](https://altcatalog.com/alternatives/quicken.md) | 82 | Proprietary | Windows, macOS |
| 3 | [Actual Budget](https://altcatalog.com/alternatives/actual-budget.md) | 78 | MIT | Windows, macOS, Linux, Web |
| 4 | [YNAB](https://altcatalog.com/alternatives/ynab.md) | 73 | Proprietary | Web, iOS, Android |
| 5 | [GnuCash](https://altcatalog.com/alternatives/gnucash.md) | 68 | GPL-2.0 | Windows, macOS, Linux |
| 6 | [KMyMoney](https://altcatalog.com/alternatives/kmymoney.md) | 68 | GPL-2.0 | Windows, macOS, Linux |
| 7 | [PocketGuard](https://altcatalog.com/alternatives/pocketguard.md) | 68 | Proprietary | ? |
| 8 | [Goodbudget](https://altcatalog.com/alternatives/goodbudget.md) | 64 | Proprietary | iOS, Android, Web |
| 9 | [Monarch Money](https://altcatalog.com/alternatives/monarch-money.md) | 64 | Proprietary | Web, iOS, Android |
| 10 | [Copilot Money](https://altcatalog.com/alternatives/copilot-money.md) | 60 | Proprietary | macOS, iOS, Web |
| 11 | [EveryDollar](https://altcatalog.com/alternatives/everydollar.md) | 60 | Proprietary | Web, iOS, Android |
| 12 | [Firefly III](https://altcatalog.com/alternatives/firefly-iii.md) | 60 | AGPL-3.0 | Web |
| 13 | [HomeBank](https://altcatalog.com/alternatives/homebank.md) | 60 | GPL-2.0 | Windows, macOS, Linux |

Alt Score = Verified coverage (90%) + Visibility (10%). See https://altcatalog.com/how-alt-score-works/

## Feature comparison

Legend: Yes / No / Partial / ? (not verified).

| Budgeting apps checklist | Simplifi | Lunch Money | Quicken | Actual Budget | YNAB | GnuCash |
|---|---|---|---|---|---|---|
| Pricing model | Subscription | Subscription | Subscription | Free | Subscription | Free |
| Starts at | $2.99/month | $100/year | $3.49/month | ? | $109/year | ? |
| License | Proprietary | Proprietary | Proprietary | MIT | Proprietary | GPL-2.0 |
| Platforms | Web, iOS, Android | Web, iOS, Android | Windows, macOS | Windows, macOS, Linux, Web | Web, iOS, Android | Windows, macOS, Linux |
| Bank sync (regions) | Yes | Yes | Yes | Partial | Yes | Partial |
| Manual entry mode | Yes | Yes | Yes | Yes | Yes | Yes |
| Envelope / zero-based budgeting | Yes | Partial | No | Yes | Yes | No |
| Investment tracking | Yes | Yes | Yes | Partial | No | Yes |
| Multi-currency | No | Yes | Yes | Partial | No | Yes |
| Shared budgets | Yes | Yes | Partial | Yes | Yes | ? |
| Reports & net worth | Yes | Yes | Yes | Yes | Yes | Yes |
| CSV import | Yes | Yes | Yes | Yes | Yes | Yes |
| Local-only data option | No | ? | Partial | Yes | ? | Yes |
| Subscription price | Yes | Yes | Yes | No | Yes | No |

## Sources

Sources for Simplifi. Each alternative is sourced on its own page.

- **Starts at**: $2.99/month — <https://www.quicken.com/simplifi/> (verified 2026-07-11)
  - Quote: “$2.99 $5.99 /month Billed annually”
- **License**: Proprietary — <https://www.quicken.com/simplifi/terms/acceptable-use> (verified 2026-07-11)
  - Quote: “© 2026 Quicken Inc. All rights reserved.”
- **Pricing model**: Subscription — <https://support.simplifi.quicken.com/en/articles/3363727-quicken-simplifi-subscription-questions> (verified 2026-07-11)
  - Quote: “We currently only offer annual plans”
- **Platforms**: Web, iOS, Android — <https://www.quicken.com/simplifi/terms/acceptable-use> (verified 2026-07-11)
  - Quote: “Quicken Simplifi, Quicken Business & Personal, and Quicken LifeHub are cloud-based apps that run on web and mobile.”
- **Status**: active — <https://www.quicken.com/simplifi/terms/acceptable-use> (verified 2026-07-11)
  - Quote: “© 2026 Quicken Inc. All rights reserved.”
- **Bank sync (regions)**: Yes — <https://support.simplifi.quicken.com/en/articles/3828353-what-currencies-does-quicken-simplifi-support> (verified 2026-07-11)
  - Quote: “Quicken Simplifi only offers the ability to connect to banks within the United States and Canada”
- **Manual entry mode**: Yes — <https://support.simplifi.quicken.com/en/articles/3348103-managing-transactions-in-quicken-simplifi> (verified 2026-07-11)
  - Quote: “When adding a manual transaction to Quicken Simplifi, the status of the transaction will automatically default to Pending if it's in a connected account and Cleared if it's in a manual account.”
- **Envelope / zero-based budgeting**: Yes — <https://www.quicken.com/blog/simplifi-with-any-budget/> (verified 2026-07-11)
  - Note: envelopes" for saving or spending."
  - Quote: “Simplifi lets you create digital ”
- **Investment tracking**: Yes — <https://www.quicken.com/simplifi/> (verified 2026-07-11)
  - Quote: “View your full portfolio in one place and turn insights into action with tools like cost basis, performance analysis, and real-time quotes”
- **Multi-currency**: No — <https://support.simplifi.quicken.com/en/articles/3828353-what-currencies-does-quicken-simplifi-support> (verified 2026-07-11)
  - Quote: “Quicken Simplifi will only support one currency at a time.”
- **Shared budgets**: Yes — <https://www.quicken.com/products/simplifi/> (verified 2026-07-11)
  - Quote: “You can share your Quicken Simplifi account with your partner, financial advisor, or anyone you trust”
- **Reports & net worth**: Yes — <https://www.quicken.com/products/simplifi/> (verified 2026-07-11)
  - Quote: “Make smarter decisions and grow your net worth”
- **CSV import**: Yes — <https://support.simplifi.quicken.com/en/articles/4413430-how-to-manually-import-transactions> (verified 2026-07-11)
  - Quote: “Quicken Simplifi allows you to import banking and credit card transactions using a CSV file.”
- **Local-only data option**: No — <https://support.simplifi.quicken.com/en/articles/6380989-what-s-the-difference-between-quicken-simplifi-and-quicken-classic> (verified 2026-07-11)
  - Quote: “The key difference between the two is that Quicken Simplifi is fully web-based, and and therefore requires no desktop installation.”
- **Subscription price**: Yes — <https://www.quicken.com/simplifi/> (verified 2026-07-11)
  - Quote: “$2.99 $5.99 /month Billed annually”

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Ranked by verified data, never by who paid. https://altcatalog.com/trust/