Quicken Simplifi
best-value all-in-one budgeting with investment tracking and retirement planning
How it works
Quicken Simplifi is a personal finance app that combines budgeting, investment tracking, and retirement planning into one clean dashboard. It syncs with over 14,000 financial institutions and organizes your spending into a forward-looking Spending Plan that accounts for upcoming bills and income. Built-in investment watchlists monitor your portfolio, track total return, and update in real time â all without ads or data selling.
Is it right for you?
Consider if you
- You want a single app for budgeting, investments, and retirement planning
- You are a former Mint user looking for a polished paid alternative
- You prefer a forward-looking spending plan over backward transaction review
Skip if you
- People who need a free budgeting tool â Simplifi is subscription-only
- Strict zero-based budgeters who need YNAB's envelope-style methodology
- Those wanting deep investment analytics like Quicken Classic provides
Your money and data
Quicken Simplifi connects to your accounts via read-only integration â it can view your transactions and balances but cannot move money on your behalf. Data is protected with bank-level 256-bit encryption and two-factor authentication.
Pros & Cons
Pros
- PCMag Editors' Choice for personal finance apps 2024-2026
- Forward-looking Spending Plan shows what's safe to spend, not just past spending
- Investment tracking with TWR/IRR metrics and a retirement planner with 15 adjustable variables
Cons
- No free tier â subscription required, though often discounted to ~$2.99/month
- Savings goals don't link to live account balances for automatic progress tracking
- Lighter-weight investment features compared to Quicken Classic
Pricing details
$5.99/month or ~$47.88/year · 30-day money-back guarantee · frequent promos as low as $2.99/month
On quicken.com · We may earn a commission
How we evaluate tools â