Quicken Simplifi review: the low-cost paid option
Simplifi is Quicken’s modern, mobile-first budgeting app: bank sync, a spending plan and projected cash flow on web, iOS and Android, for the US and Canada. It is one of the cheapest paid options — but it is sold as annual plans only, with no free trial.
Facts checked
The short version
Simplifi is good value if you want bank sync and cash-flow projections without paying Monarch or YNAB prices — at $3.99 a month for the first year it is the cheapest of the major paid apps. Just budget for the renewal at the full price, and know that you pay up front and rely on a 30-day refund rather than a free trial.
Worth it if you…
- want bank sync at the lowest price of the paid apps
- like seeing projected cash flow for the weeks ahead
- live in the US or Canada
Skip it if you…
- want to try before you pay — there is no free trial
- do not want to commit to a full year up front
- live outside the US and Canada
How much does Quicken Simplifi cost?
| Plan | Price | What you get |
|---|---|---|
| First year | $3.99/mo | Billed annually. Current offer, valid for purchases by November 6, 2026. |
| Renewal | $6.99/mo | Renewals are charged at the full standard price, billed annually. |
Only annual plans are available. There is no free trial; instead there is a 30-day money-back guarantee on purchases made directly from Quicken (app-store purchases follow Apple’s or Google’s refund policy).
What it does well
- The lowest price of the major paid bank-sync budgeting apps.
- Projected cash flow shows what your balance will look like after upcoming bills.
- Web, iOS and Android, with connections to 14,000+ institutions.
- Recent updates added advanced rules, a customizable dashboard and CSV import of categories and tags.
Where it falls short
- No free trial — you pay for a year first and request a refund within 30 days.
- The first-year price is a promotion; renewal is at the full price.
- US and Canada only.
How much does Simplifi cost?
Simplifi’s current offer is $3.99 a month for the first year, billed annually, for purchases made by November 6, 2026. Renewals are charged at the full standard price of $6.99 a month, also billed annually. There are no monthly plans.
Is Simplifi worth it?
If you know you want automatic bank sync and do not need Monarch’s investment depth or YNAB’s method, Simplifi gets you most of the way for less. The 30-day guarantee makes the up-front payment lower-risk than it sounds — as long as you buy direct from Quicken.
If you are not sure you want bank sync at all, a free budgeting app is the cheaper way to find out what you actually need.
Quicken Simplifi vs Wally
| Quicken Simplifi | Wally | |
|---|---|---|
| Price | $3.99/mo first year (billed annually), then $6.99/mo | Free |
| Free version | No — no free tier or trial (30-day refund) | Yes — fully free, no subscription |
| Platforms | iOS, Android, Web | iOS & Android |
| Account tracking | Automatic bank sync | Manual entry + CSV import |
| Budgeting approach | Spending plan with projected cash flow | Category budgets (incl. 50/30/20) |
| Bill reminders | Yes | Yes |
| Best for | A low-cost, polished Mint replacement | Anyone who wants simple, free budgeting |
Full breakdown: Wally vs Quicken Simplifi
Frequently asked questions
How much does Quicken Simplifi cost?
Simplifi costs $3.99 a month for the first year on its current offer, billed annually, then renews at the full price of $6.99 a month, billed annually.
Does Simplifi have a free trial?
No. Quicken does not offer a free trial for Simplifi. It offers a 30-day money-back guarantee on purchases made directly from Quicken.
Is Quicken Simplifi worth it?
It is good value for people who want bank sync and cash-flow projections at a low price. If you do not need bank sync, a free budgeting app covers budgets and spending tracking at no cost.
Is Simplifi available outside the US?
Simplifi is available in the US and Canada.