# EnvelopeBudget vs Simplifi by Quicken

> EnvelopeBudget ($4/mo) vs Simplifi by Quicken ($47.88/yr). EnvelopeBudget costs less per year. Pick EnvelopeBudget for people who want hosted envelope budgeting with optional manual entry or bank sync through SimpleFIN or Plaid, plus debt-payoff planning and shared budgets; pick Simplifi by Quicken for people who want automatic account syncing, a running spending-plan number, and investment and cash-flow views in one paid app.

Source: https://budgetingapps.org/compare/envelopebudget-vs-simplifi

EnvelopeBudget, our Editor’s Pick, has a financial interest in BudgetingApps.org.

## Key differences

- **Price:** EnvelopeBudget is cheaper: about $40 a year versus $47.88 a year for Simplifi by Quicken, a difference of $8. EnvelopeBudget also offers a lifetime option ($60 ($60 lifetime (first 500 members; remaining spots not stated))).
- **Trying it first:** Free trials: EnvelopeBudget (34-day free trial, no credit card required).
- **Budgeting method:** EnvelopeBudget is built for envelope, zero-based and expense tracking budgeting; Simplifi by Quicken for expense tracking, forecasting and financial management. They overlap on expense tracking.
- **Platforms:** Both run on Android, iOS and Web.
- **Feature differences:** EnvelopeBudget lists envelope budgeting, manual transaction entry, debt payoff tools and multi-currency, which Simplifi by Quicken’s listing does not confirm. Simplifi by Quicken lists investment tracking, which EnvelopeBudget’s listing does not confirm.
- **Separate logins for shared budgets:** Invite family or teammates to the same budget with their own logins. Sharing one password or sign-in link does not count. Separate logins do not necessarily mean private accounts or transactions. EnvelopeBudget: Yes. Invite family and team members to shared budgets with their own logins. Manage member access and transfer budget ownership; eligible family members can share the family owner's subscription access. Simplifi by Quicken: Yes. Spaces & Sharing lets you invite one additional person to your financial space with their own Quicken ID and password, without another Simplifi subscription. Invitations are accepted on the web. Sharing only selected accounts or features is not currently supported.
- **Bank sync:** EnvelopeBudget: Optional SimpleFIN ($1.50/mo or $15/yr paid to SimpleFIN) or Plaid ($3/mo or $30/yr add-on). Plaid is enabled in the web, iOS and Android apps, per current owner confirmation; the vendor changelog documents Plaid connections and mobile bank-sync updates. Simplifi by Quicken: Yes; vendor says over 14,000 institutions.

## Which should you choose?

- **EnvelopeBudget is best for:** people who want hosted envelope budgeting with optional manual entry or bank sync through SimpleFIN or Plaid, plus debt-payoff planning and shared budgets.
- **Simplifi by Quicken is best for:** people who want automatic account syncing, a running spending-plan number, and investment and cash-flow views in one paid app.

Full reviews: [EnvelopeBudget](https://budgetingapps.org/apps/envelopebudget.md), [Simplifi by Quicken](https://budgetingapps.org/apps/simplifi.md)