Local-only Mac app for net worth, spending, investments and options tracking
- Expense tracking
- Financial management
SimpleFinances
Web tool that audits spending and finds recurring charges, sold as a one-time review.
Research-based review, not hands-on testing. Last researched .
Overview
SimpleFinances is a browser-based personal finance tool centered on a one-time $49.99 Full Financial Review that categorizes transactions, totals recurring charges and shows a safe-to-spend figure and net worth. Accounts connect read-only through Plaid, or statements can be added by hand. It is closer to a spending audit than to a plan-ahead budgeting system; no category budgets or envelopes were found.
Best for: People who want a one-off look at where money goes and which subscriptions are recurring, rather than an ongoing budget planner.
Pros and cons
Pros
- One-time price of $49.99 with a stated 30-day money-back guarantee
- Read-only bank linking via Plaid; the vendor says credentials are never stored
- Finds and totals recurring charges, and shows net worth including investments and loans
- Manual entry and statement upload mean a bank link is not required
- Security page explains encryption and data deletion in detail
Cons
- No category budget or envelope planning was found
- Web only; no mobile store apps confirmed
- Site pages conflict on what happens after the review (Premium tier and subscription cancellation are both mentioned) and on when accounts are linked
- Very new with a solo founder; no independent reviews found
- Data export options not 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, health score, savings goal, debt tracking
Our review
Short version
SimpleFinances is a browser-based personal finance tool centered on a one-time $49.99 Full Financial Review that categorizes transactions, totals recurring charges and shows a safe-to-spend figure and net worth. Accounts connect read-only through Plaid, or statements can be added by hand. It is closer to a spending audit than to a plan-ahead budgeting system; no category budgets or envelopes were found.
Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.
Cost
- No monthly plan listed; $49.99 one-time Full Financial Review
- No yearly plan listed
- Trial: 7 days of full Premium access included with the review; a free spending check is also advertised
Not confirmed
Launch year; Premium plan price; Data export; Import formats; Bill reminders; Multi-currency; Shared budgets; Whether ongoing budget planning exists.
Notes
Pricing pages disagree: one lists 'Link every account' up front, another says statements first and linking after; FAQ mentions cancelling a subscription while pricing says none.
Ratings are set separately against a shared rubric.
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