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SimpleFinances

Web tool that audits spending and finds recurring charges, sold as a one-time review.

Visit SimpleFinances

Research-based review, not hands-on testing. Last researched .

Overview

SimpleFinances is a browser-based personal-finance tool for reviewing spending, finding recurring charges, and tracking cash flow and net worth. It offers a free one-statement audit and a $49.99 Full Financial Review; the vendor also describes ongoing Basic and Premium subscriptions on its software page and homepage FAQ. Bank connections use read-only Plaid, with statement upload and manual entry also described. It is an audit-and-tracking tool, not a documented category-budgeting system.

Best for: People who want a spending review, recurring-charge finder and cash-flow/net-worth tracking rather than a documented category-budget plan.

Pros and cons

Pros

  • Free one-statement audit and a $49.99 one-time review are described on current home and pricing pages.
  • Full Financial Review supports PDF or CSV statements; security page also describes manual entry and read-only Plaid connections.
  • Vendor documents recurring-charge detection, net worth, cash flow and debt payoff guidance.
  • Security page gives specific encryption and account-deletion details.

Cons

  • Vendor pages conflict about ongoing subscriptions and prices: one lists $7.99/month Basic and $19.99/month Premium; the main pricing page emphasizes a one-time $49.99 review.
  • Vendor pages differ on whether the process starts with bank linking or statement upload.
  • No category-budget or envelope-planning workflow is documented; the product is oriented toward reviewing and tracking.
  • Privacy policy lists analytics and advertising measurement providers, including Google Analytics, Google Tag Manager and Meta Pixel.
  • Web-only; no iOS or Android app for this product was confirmed.

Features

  • Envelope budgeting not included
  • Automatic bank sync included
  • Manual transaction entry included
  • Goal tracking included
  • Debt payoff tools included
  • Investment tracking included
  • Bill reminders not confirmed not confirmed
  • Reports & charts included
  • Multi-currency not confirmed not confirmed
  • Shared / household budgets not confirmed not confirmed
  • Separate logins for shared budgets not confirmed not confirmed

Subscription finder, safe to spend, net worth, cash flow calendar, bills calendar, health score, savings goal, debt payoff order (highest interest or smallest balance first)

Our review

Short version

SimpleFinances is a browser-based personal-finance tool centered on reviewing spending and recurring charges. It offers a free one-statement audit and a $49.99 Full Financial Review; other vendor pages also describe Basic and Premium subscriptions. Features include recurring-charge detection, net-worth and cash-flow views, and debt payoff guidance. Public material does not document an ongoing category-budgeting method.

Research-based profile, not hands-on testing. Refreshed on 2026-10-12 from the vendor's home, pricing, upgrade, software, security and privacy pages. I did not sign up, start a trial or connect a bank.

How it works

The free audit reviews one statement. The Full Financial Review page says customers can upload PDF or CSV statements, review up to three times in seven days, and export transactions during that access window. That page says read-only bank linking is offered after the first report. The home page instead promotes linking accounts up front. The security page separately describes manual entry and read-only Plaid connections.

The vendor presents recurring-charge detection, safe-to-spend, net worth and cash-flow views. It is an audit-and-tracking tool; public documentation does not show a category-budget or envelope workflow.

Cost

  • Free audit of one statement (vendor's home and upgrade pages).
  • Full Financial Review: $49.99 once; pricing page says it includes seven days of Premium and a 30-day guarantee.
  • Ongoing prices conflict across vendor pages. The homepage FAQ says Premium is $100/year or $19.99/month; the personal-finance-software page lists Basic at $7.99/month and Premium at $19.99/month or $100/year. The main pricing page foregrounds the one-time review and does not list these subscription tiers.

Privacy and bank access

The security page describes read-only Plaid access, manual entry, AES-256-GCM encryption for sensitive fields, and account/data deletion controls. The privacy policy says financial data is not sold, but lists Google Analytics, Google Tag Manager and Meta Pixel among analytics/advertising providers. These are vendor statements; no independent security audit was confirmed.

Platforms and fit

The vendor describes browser access across device types. No native iOS or Android app for this product was confirmed. It may suit someone seeking a spending checkup and recurring-charge inventory; someone seeking a documented plan-ahead category budget should look elsewhere.

What remains unclear

The vendor's pages conflict about subscription availability/prices and whether bank linking is the starting point. Launch year, independent user feedback and the claimed user count were not independently confirmed. This review reflects public documentation, not extended use.

Ratings are set separately against a shared rubric.

Sources

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