Quicken Simplifi Review (2026)
Quicken Simplifi is a low-cost, mostly automatic spending tracker: it links your accounts and builds a Spending Plan that shows what is left after bills and savings. The regular price is $6.99 a month billed annually, and new members who order directly by November 13, 2026 pay $3.99 a month for the first year. It works only in the US and Canada and shares with just one other person.
By Wealthy Pot Editorial · Facts checked October 18, 2026
Facts checked October 18, 2026 against Quicken Simplifi's own pricing, help and policy pages (7 sources, listed below). We re-check prices about once a month. We do not earn a commission from Quicken Simplifi.
Quicken Simplifi at a glance
| Price | $6.99 a month, billed annually [1] |
|---|---|
| First-year promo | $3.99 a month, billed annually, for new members ordering directly from Quicken by November 13, 2026 (11:59 PT) [1] |
| App Store prices | $9.99 a month, or $84.99 a year [6] |
| Free plan or trial | None on Quicken's product page; a 30-day money-back guarantee instead [2] |
| Availability | US and Canada only [1] |
| Bank connections | Over 14,000 institutions, read-only, through outside aggregators Quicken does not name [3] |
| Budgeting method | Automatic Spending Plan: income minus bills, subscriptions and savings [1] |
| Household sharing | One other person [1] |
| Platforms | Web, iPhone, Android (app now listed as "Quicken: Budget & Track Money") [1] |
| Extras | Investments with cost basis, projected cash flow, retirement planner, savings goals [1] |
| Owner | Quicken Inc. (Menlo Park, California), owned by Aquiline Capital Partners since 2021 [5] |
App-store ratings (as of June 2026): App Store 4.5★ from 11k ratings; Google Play 4.0★ from 4.2k ratings. Store ratings mix many app versions and are not our verdict.
What Quicken Simplifi costs
| Plan | Paying monthly, 1 year | Annual plan, 1 year | 3 years (cheapest way) | Annual plan saves |
|---|---|---|---|---|
| Direct from Quicken$6.99/mo billed annually; first year $3.99/mo for new members to Nov 13, 2026 | - | $83.88 | $251.64 | - |
| Through the App Store | $119.88 | $84.99 | $254.97 | $34.89 (29%) |
Our arithmetic from the listed prices, before sales tax, assuming today's prices hold; subscriptions can renew at a different rate. Quicken prints only monthly figures ($6.99 regular, $3.99 promo) and says the final price may differ from the monthly price times 12, so $83.88 and $47.88 (promo year) are our arithmetic. The promo covers the first year only; after that the plan renews at the then-current price. Direct purchases carry a 30-day money-back guarantee, which also applies within 30 days of an auto-renewal.
How Quicken Simplifi works
You link checking, savings, card, loan and investment accounts, and Simplifi pulls in transactions every night through its aggregation partners. It tracks upcoming bills and subscriptions and builds a Spending Plan: your expected income, minus bills and subscriptions, minus what you set aside for savings goals. What remains is the amount you can spend this month, and it adjusts as transactions arrive.
A hypothetical month: take-home pay is $5,000. Rent, utilities, insurance, phone and streaming add up to $2,900, and you commit $400 to a vacation goal. The plan shows $1,700 available to spend. Each grocery run or dinner out lowers that figure, so a glance tells you how much room is left before payday.
Quicken says the plan can be adapted to a zero-based, envelope or 50/30/20 style. Beyond budgeting, the app shows a projected cash flow with what-if scenarios, a portfolio view with cost basis and a retirement planner.
Pros
- Regular price of $6.99 a month billed annually, about $84 a year
- The Spending Plan does most of the work once accounts are linked
- Cash-flow forecast, investments and a retirement planner included
- 30-day money-back guarantee, also after each auto-renewal
Cons
- No free plan or free trial
- Sharing stops at one other person
- The $3.99 promo lasts one year, then the plan renews at the current price
- Month-to-month billing only through the App Store, at $9.99
Who Quicken Simplifi fits, and who should skip it
A good fit if
- You want automatic tracking at a low yearly price.
- You came from Mint and want a similar "link it and look" app.
- You like seeing upcoming bills against your balance before they hit.
Look elsewhere if
- You want a whole household on one plan: Monarch Money allows unlimited members.
- You want to plan every dollar in advance: YNAB or EveryDollar fit better.
- You want deep investment and tax records kept on your own computer: Quicken Classic is the desktop product.
Limitations to know
- Quicken products are not designed to work outside the US and Canada. [1]
- You can add only one other person through "spaces & sharing". [1]
- Quicken says it uses the "top three aggregators" but does not name them on its own pages. [3]
- Phone support and other services "vary and are subject to change", per Quicken. [1]
Quicken Simplifi compared with alternatives
| App | Price | Free plan | Bank sync | Platforms | Method |
|---|---|---|---|---|---|
| Quicken Simplifi | $6.99/mo billed annually ($3.99/mo first-year promo to Nov 13, 2026); no free tier | No | Yes (14,000+ institutions) | iOS, Android, Web | Spending plan |
| Monarch Money | No free tier; Core $14.99/mo · $99.99/yr; Plus $199/yr (US & Canada only) | No | Yes (Plaid, Finicity, MX) | iOS, Android, Web | Flexible / aggregation |
| Copilot Money | No free tier; $13/mo · $95/yr (1-month trial; iPhone/iPad/Mac/web, no Android) | No | Yes (Plaid, plus MX, Mastercard, Akoya) | iOS, Web, Desktop | AI-assisted flexible |
| YNAB | $14.99/mo · $109/yr (34-day trial; free 365-day trial for college students) | No | Yes (Plaid, MX) | iOS, Android, Web | Zero-based envelope |
| Quicken Classic | Deluxe $6.99/mo billed annually; Premier $8.99/mo ($7.99 first year to Nov 13, 2026); renews at then-current rates | No | Yes (bank download) | Desktop | Traditional PFM |
- Pick Monarch Money if you want the same automatic tracking for a larger household, with no member limit.
- Pick Copilot Money if you use only Apple devices and want a more design-focused tracker.
- Pick YNAB if you want to assign every dollar before you spend it.
- Pick Quicken Classic if you want desktop software with detailed investment and tax reports.
Security and privacy
- The bank connection is one-way: data comes into Simplifi, which cannot change your transactions or balances. The aggregation partner stores your encrypted login and connects nightly. [4]
- Quicken says it protects data with 256-bit encryption. [3]
- Quicken says ads are not part of its product model and your data is not for sale. [5]
Recent changes
| Date | What changed |
|---|---|
| Oct 2026 | First-year price of $3.99 a month (billed annually) for new members who order directly by November 13, 2026. [1] |
Quicken Simplifi FAQ
How much does Quicken Simplifi cost?
$6.99 a month billed annually, about $83.88 a year by our math. New members who order directly by November 13, 2026 pay $3.99 a month for the first year. Through the App Store it is $9.99 a month or $84.99 a year.
Is there a free trial of Simplifi?
Quicken's product page shows no free trial or free plan. Instead, direct purchases come with a 30-day money-back guarantee.
Is Simplifi the same as Quicken Classic?
No. Simplifi is a cloud app for web and phones focused on spending. Quicken Classic is Windows and Mac desktop software with deeper investment and tax tools.
Can my partner use my Simplifi account?
Yes, one other person can be added with the "spaces & sharing" feature.
Does Simplifi work in Canada?
Yes. Quicken products are built for the US and Canada and are not designed to work elsewhere.
How we researched this review
We did not get paid or receive a free account for this page. We read Quicken Simplifi's own pricing page, help center, security and privacy pages and app-store listing on October 18, 2026, quoted each fact from those pages, and link every one below. We did not run a long-term hands-on test, so we do not score the app; where a point rests on what the company says rather than something we can check, we attribute it to Quicken Simplifi. Cost figures are our own arithmetic. We re-check prices and plans about once a month and log changes in the table above.
Sources
- Quicken, Quicken Simplifi, checked October 18, 2026.
- Quicken Simplifi Support, How do I manage my Quicken Simplifi subscription?, checked October 18, 2026.
- Quicken, Account aggregation, checked October 18, 2026.
- Quicken Simplifi Support, How does Quicken Simplifi connect to my bank?, checked October 18, 2026.
- Quicken, About us, checked October 18, 2026.
- Apple App Store, Quicken: Budget & Track Money listing, checked October 18, 2026.
- Google Play, Quicken: Budget & Track Money listing, checked October 18, 2026.
Head-to-head comparisons
See every option in our budgeting apps comparison, and set your category targets with the free budget calculator.
This review is for general information, not financial advice. Prices and features change; check the vendor's site before you subscribe.