iPhone app that logs expenses by voice or text and forecasts upcoming recurring spending.
- Expense tracking
- Forecasting
- Financial management
Simplifi by Quicken
Spending-plan budgeting app that pulls in accounts and shows what is left to spend after bills.
Research-based review, not hands-on testing. Last researched .
Overview
Simplifi is a Quicken subscription app that connects to financial institutions and builds a spending plan from income minus bills, subscriptions and savings goals. It also covers investments, reports, projected cash flow and a retirement planner. The vendor says it does not lock users into one budgeting method.
Best for: People who want automatic account syncing, a running spending-plan number, and investment and cash-flow views in one paid app.
Pros and cons
Pros
- Vendor states it connects to over 14,000 financial institutions.
- Spending plan subtracts bills and subscriptions from income and shows remaining spend, including a per-day figure.
- Includes investment tracking, projected cash flow with what-if scenarios, and a retirement planner.
- Savings goals can be built into the spending plan so that money is set aside.
- Account can be shared with one other person through spaces and sharing.
- Reviewers note ads are absent and a 30-day money-back guarantee is offered.
Cons
- No free tier and, per reviewers, no free trial; only a 30-day money-back guarantee.
- Advertised $3.99/month is a discounted rate off $6.99 and is billed annually.
- Sharing is limited to one other person.
- A USA Today review lists limited parameter options in reports and no bill pay feature.
- Not a dedicated envelope tool; envelope and zero-based approaches are described as possible but are not built as core workflows.
Features
- Envelope budgeting not confirmed not confirmed
- Automatic bank sync included
- Manual transaction entry not confirmed not confirmed
- Goal tracking included
- Debt payoff tools not confirmed not confirmed
- Investment tracking included
- Bill reminders not confirmed not confirmed
- Reports & charts included
- Multi-currency not confirmed not confirmed
- Shared / household budgets included
- Separate logins for shared budgets included
Spending plan, savings goals, reports, investment tracking, projected cash flow, retirement planner, bills and subscriptions view, spaces and sharing
Our review
Short version
Simplifi is a Quicken subscription app that connects to financial institutions and builds a spending plan from income minus bills, subscriptions and savings goals. It also covers investments, reports, projected cash flow and a retirement planner. The vendor says it does not lock users into one budgeting method.
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 on the vendor page; reviewers saw a $9.99 monthly option in the app
- Vendor page shows $3.99/month billed annually (struck-through $6.99); that is about $47.88/year
What is distinct
- Spending plan computed from income minus bills, subscriptions and goals
- Projected cash flow with what-if scenarios
- Retirement planner
- Investment portfolio view within the same app
Not confirmed
Android app availability; Launch year of Simplifi; Last update date; Export options; Privacy practices; Exact store rating count (about 11K per store snippets, 12K on another snippet); Whether monthly billing is currently offered; Bill reminder and manual entry features.
Notes
Vendor page and reviewers differ on monthly pricing.
Ratings are set separately against a shared rubric.
Sources
- Simplifi Spaces & Sharing guideretrieved 2026-10-02
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