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Want to Save Money? Try Simplifi by Quicken

Simplifi is a budgeting app from Quicken that helps you get your finances under control and save money all from your smartphone.

Updated July 27, 2023
Written by Rachel Alulis
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Key takeaways

  • Simplifi by Quicken helps you manage your finances, save money, and stay on budget.
  • The app offers personalized spending plans, savings goals, and detailed financial insights for just $2.49 per month.
  • Simplifi ensures your financial data is secure, making it a reliable choice for those serious about achieving financial stability and success.

For years, Quicken has reigned as the number one personal finance software on the market, widely regarded for its comprehensive tools and robust features. Over time, the landscape of personal finance management has evolved significantly. Numerous companies have introduced free budgeting and tracking software services, providing consumers with a variety of options. 

For instance, Tiller Money enables users to create custom financial spreadsheets tailored to their specific needs, offering a highly personalized approach. Additionally, platforms like Personal Capital and Monarch have developed intuitive apps that simplify managing every aspect of one’s financial life, from budgeting to investments.

Recognizing the need to stay competitive and meet modern demands, Quicken has joined the mobile app arena with Simplifi, a user-friendly app designed to streamline personal finance tracking. Although a bit late to the mobile finance management scene, Simplifi aims to offer a seamless and efficient experience for users looking to manage their finances on the go.

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What is Simplifi by Quicken?

Simplifi by Quicken is a robust, paid budgeting and money-tracking app designed to help users manage their finances effectively and save money, all from the convenience of their smartphone. This app allows users to link all their financial accounts, including bank accounts, credit cards, loans, and investment accounts, to their Simplifi account. Once linked, Simplifi provides a comprehensive view of your financial situation by analyzing your monthly expenses.

One of the standout features of Simplifi is its ability to generate a customizable spending plan based on your financial habits and goals. This spending plan helps you keep track of where your money is going, ensuring you stay within your budget and avoid unnecessary expenses. 

Additionally, Simplifi offers personalized financial insights and recommendations, helping you make informed decisions about your spending, saving, and investing. These insights are tailored to your unique financial situation, making it easier to identify areas where you can cut costs and save more money.

By providing a clear and detailed picture of your finances, Simplifi empowers you to take control of your financial future. Whether you’re trying to pay off debt, save for a big purchase, or simply manage your day-to-day expenses more effectively, Simplifi offers the tools and insights you need to achieve your financial goals.

How does it work?

When you sign up for a Simplifi account, the app guides you through the process of connecting your various banking and financial accounts, such as credit cards, loans, 401(k) plans, and other investments. This connection is crucial because it allows Simplifi to provide a comprehensive overview of your financial situation. Taking the time to link all your accounts thoroughly ensures that you receive the most accurate and insightful analysis possible.

Once your accounts are connected, Simplifi goes to work by analyzing your financial data and organizing it into a user-friendly dashboard. This dashboard offers a clear and concise view of your finances, making it effortless to track your income, net worth, savings, and expenses. Additionally, the app allows you to set and monitor your financial goals, whether you’re aiming to save for a significant purchase, pay off debt, or build an emergency fund.

The easy-to-use interface of Simplifi helps you stay on top of your financial health by providing real-time updates and personalized insights. You can quickly see where your money is going, identify patterns in your spending, and make adjustments as needed. 

Simplifi’s ability to consolidate all your financial information into one accessible platform makes managing your finances less daunting and more efficient, empowering you to take control and make informed decisions about your financial future.

Simplifi by Quicken budgeting

Features of Simplifi by Quicken

Simplifi by Quicken boasts a multitude of impressive features designed to streamline your financial management. Some of our favorites include:

Budgeting: Simplifi refers to this feature as your spending plan. The app automatically generates a personalized spending plan based on your recent income, expenses, spending habits, and savings goals. You can easily customize this plan to better suit your specific financial needs and preferences, ensuring you stay on track with your budget.

Watchlists: These help you avoid overspending in specific categories. For example, if you love getting coffee, you can set up a watchlist with a monthly spending limit for coffee purchases. This way, you can easily track how much money you have left in your coffee budget, helping you manage discretionary spending more effectively.

Savings Goals: This feature complements the spending plan perfectly by allowing you to set and track progress toward your big financial goals, such as building an emergency fund, buying a car, or making a down payment on a house. Simplifi enables you to save for multiple goals simultaneously and ensures you set aside enough money each month to achieve them.

Bill Tracking: An excellent feature for those who tend to forget when bills are due. Simplifi provides reminders for upcoming bills or recurring charges, ensuring you are never caught off guard and helping you avoid late fees.

Dashboard: The dashboard offers a comprehensive overview of all your accounts and balances, upcoming bills, spending plans, recent transactions, and other valuable insights into your financial status. This central hub makes it easy to stay informed about your overall financial health.

Enhanced Reporting: Simplifi’s enhanced reporting features allow you to filter your monthly spending reports by category, payee, tag, account, and more. This detailed analysis helps you understand your spending habits better and identify areas where you can cut costs.

Investment Details: This section provides a clear view of all your investments and their current balances, keeping you informed about the status of your assets. You can monitor the performance of your investments and make adjustments as needed to align with your financial goals.

Leveraging these features, Simplifi by Quicken offers a comprehensive and user-friendly approach to personal finance management, helping you manage your financial life easily.

Who is Simplifi Best Suited For?

Simplifi is an ideal budgeting app for individuals who are comfortable paying a small fee to gain control over their finances. At just $2.49 per month (typically $3.99 per month), Simplifi is an affordable option for those seeking comprehensive financial management tools. It offers a 30-day risk-free trial, allowing potential users to explore its features and determine if it meets their needs before committing to a subscription.

The app is particularly beneficial for those who want a clear overview of their financial well-being. It provides detailed insights into spending habits, savings progress, and investment performance, making it easier to identify areas for improvement. Simplifi’s ability to generate personalized spending plans and set multiple savings goals simultaneously makes it an excellent choice for anyone aiming to achieve specific financial milestones, such as building an emergency fund, purchasing a car, or saving for a down payment on a house.

Moreover, the small monthly fee contributes to ensuring the security and privacy of the sensitive financial information users input into the app. Simplifi offers robust data protection measures, giving users peace of mind that their financial data is safe.

Simplifi is best suited for individuals seeking a user-friendly, comprehensive budgeting app that provides valuable financial insights, personalized plans, and enhanced data security. Whether you need help organizing your finances, setting and tracking financial goals, or receiving guidance on improving your financial health, Simplifi offers the tools and support to help you stay on track.

How to Set Up an Account

Setting up an account with Simplifi by Quicken is a straightforward process designed to get you up and running quickly:

  1. Download the App: Start by downloading the Simplifi app from the App Store or Google Play Store. Alternatively, you can visit the Simplifi website and sign up through your desktop browser.
  2. Create an Account: Open the app and select the option to create a new account. You will be prompted to enter your email address and create a password. Ensure your password is strong and unique to maintain security.
  3. Verify Your Email: After entering your details, Simplifi will send a verification email to the address you provided. Open this email and click on the verification link to confirm your account.
  4. Link Your Financial Accounts: Once your email is verified, you can begin linking your financial accounts. Simplifi supports a wide range of accounts, including bank accounts, credit cards, loans, and investment accounts. Follow the prompts to securely log in to each of your financial institutions and grant Simplifi access to your account data.
  5. Set Up Your Profile: After linking your accounts, you’ll need to set up your financial profile. This involves entering basic information about your income, recurring expenses, and financial goals. Simplifi uses this information to create an accurate spending plan and provide personalized insights.
  6. Customize Your Dashboard: Simplifi’s dashboard is highly customizable. Spend some time exploring the various features and widgets available. You can rearrange elements, set up watchlists, and configure notifications to suit your preferences.

By following these steps, you can quickly set up your Simplifi account and start taking control of your finances.

Simplifi Pros and Cons

Pros:

  1. Comprehensive Financial Management: Offers detailed insights into spending, saving, and investments, helping users manage all aspects of their finances in one place.
  2. User-Friendly Interface: Easy-to-use dashboard and intuitive features make financial tracking simple and accessible for all users.
  3. Personalized Spending Plans: Automatically generates customizable spending plans based on individual financial data and goals.
  4. Affordable Pricing: At $2.49 per month (normally $3.99 per month), it’s a cost-effective solution for comprehensive budgeting and financial management.
  5. Security: Ensures the safety and privacy of sensitive financial information.
  6. 30-Day Risk-Free Trial: Allows users to test the app and its features before committing to a subscription.

Cons:

  1. Monthly Fee: Requires a subscription, which may be a drawback for those looking for entirely free budgeting tools.
  2. Learning Curve: While user-friendly, some users may need time to fully explore and utilize all features.
  3. Limited to Digital Platform: May not offer the same extensive features as desktop versions of other financial software for those who prefer non-mobile platforms.

Is Simplifi Safe?

Yes, Simplifi by Quicken is designed with safety and security as a top priority. 

Data Encryption: Simplifi uses bank-level encryption to protect your data. This means that your personal and financial information is encrypted both in transit and at rest, making it difficult for unauthorized parties to access it.

Secure Login: The app requires strong authentication methods, including multi-factor authentication (MFA), to ensure that only you can access your account. This adds an extra layer of security to your login process.

Trusted Brand: Simplifi is a product of Quicken, a well-established and trusted name in the financial software industry with decades of experience in providing secure financial management tools.

Privacy Protection: Simplifi adheres to strict privacy policies, ensuring that your data is not sold or shared with third parties without your consent. Your financial information is used solely for the purpose of providing you with personalized financial insights and services.

Regular Updates: The app receives regular updates to address any potential security vulnerabilities and to keep the software current with the latest security standards and features.

Secure Data Centers: Simplifi’s data is stored in highly secure data centers that comply with industry standards for security and redundancy. These facilities are protected by physical security measures and advanced cybersecurity protocols.

By leveraging these security measures, Simplifi aims to provide a safe and secure environment for users to manage their finances with confidence.

Bottom Line

Simplifi is an excellent choice for anyone serious about gaining control over their finances. Saving money and managing expenses can often feel overwhelming, but Simplifi simplifies these tasks by providing a user-friendly interface and actionable insights. With its ability to generate personalized spending plans, set multiple savings goals, and offer detailed financial overviews, Simplifi empowers users to make informed decisions about their money.

The app’s features, such as watchlists to prevent overspending and reminders for upcoming bills, ensure that users stay on track and avoid financial pitfalls. Additionally, the enhanced reporting capabilities allow for a deeper understanding of spending habits, which is crucial for making adjustments and improvements over time.

Moreover, the affordability of Simplifi, currently priced at just $2.49 per month (normally $3.99 per month), makes it an accessible option for those looking to invest in their financial health without breaking the bank. The 30-day risk-free trial provides an opportunity to experience the app’s benefits firsthand before committing to the subscription.

Ultimately, the small fee for Simplifi is well worth the investment for the peace of mind and financial clarity it provides. By offering practical tips, comprehensive financial tracking, and robust security for sensitive data, Simplifi stands out as a valuable tool for anyone aiming to achieve financial stability and success.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
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5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC
6. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.
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9. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.
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11. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.
12. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.
13. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
14. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
15. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
16. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
17. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
18. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
19. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
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21. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
22. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
23. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
24. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.
25. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
26. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
27. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
28. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
29. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
30. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
31. Tipping or not tipping has no impact on your eligibility for SpotMe®.
32. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
33. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
34. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.
35. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.
36. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.
37. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.
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About the author

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

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