# SimpleFinances review > Web tool that audits spending and finds recurring charges, sold as a one-time review. Source: https://budgetingapps.org/apps/simplefinances (researched 2026-10-12). Research-based review, not hands-on testing. ## Summary 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. ## Key facts - Website: https://www.simplefinances.co/ - Price: $7.99/month; $100/year - Rating: 2.7/5 - Free plan: no - Free trial: Free audit of one statement (no card, no bank login); the $49.99 review includes 7 days of full Premium access, up to 3 review runs - Platforms: Web - Budgeting method: Expense tracking, Financial management - Bank sync: Read-only Plaid connections described. Upgrade page says statements first and bank link afterward; homepage describes linking accounts up front. - Mobile apps: No mobile app confirmed; runs in the browser - Import: Vendor says PDF or CSV statements, one per account for the review; transaction spreadsheet export during the 7-day access window. - Multiple budgets: Not confirmed - Team: Solo founder (Jonah Kubath) - Privacy: Vendor states Plaid tokens and sensitive fields are encrypted at rest (AES-256-GCM per the security page), data not sold, deletion on request from settings. Privacy policy also lists Google Analytics, Tag Manager and the Meta Pixel. ## Features - Envelope budgeting: no - Automatic bank sync: yes - Manual transaction entry: yes - Goal tracking: yes - Debt payoff tools: yes - Investment tracking: yes - Bill reminders: not confirmed - Reports & charts: yes - Multi-currency: not confirmed - Shared / household budgets: not confirmed - Separate logins for shared budgets: not confirmed ## 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. ## 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 - [Home page and FAQ: one-time review, Premium details](https://www.simplefinances.co/) (retrieved 2026-10-12) - [Pricing: Full Financial Review](https://www.simplefinances.co/pricing) (retrieved 2026-10-12) - [Review workflow, statements and included access](https://www.simplefinances.co/upgrade) (retrieved 2026-10-12) - [Basic/Premium subscription prices and browser claims](https://www.simplefinances.co/personal-finance-software/) (retrieved 2026-10-12) - [Security and data handling](https://www.simplefinances.co/security/) (retrieved 2026-10-12) - [Privacy policy and tracking disclosures](https://www.simplefinances.co/privacy) (retrieved 2026-10-12)