Calm, straightforward money management

See your money clearly. Stay in control.

Clear daily answers show what may be safe to spend, what changed, and what comes next. Ask AI answers questions from your own history, while budgets show what is left.

Now available on iPhone, iPad, and Android.

Available now on iPhone & iPad

Available now on Google Play

Free to download. $4.99 once unlocks Sync and detailed Reports. Optional managed relay hosting has separate billing.

Simply Finance Home showing plain-language answers about daily spending and financial runway — Simply Finance Home on iPhone.

Bank login: Never required
Primary ledger: Stored on this device
Sync: Encrypted, with your choice of relay
Full Version: $4.99 once

Home, Ask AI, and Budgets

Three ways to make money feel manageable.

Home summarizes the day. Ask AI explains your own history. Budgets show where you stand before you overspend.

Home

See your money clearly. Stay in control.

Home turns spending, income, bills, budgets, and goals into a plain daily brief. See what changed, what may be safe to spend, and what deserves attention without piecing it together yourself.

Simply Finance Home showing a daily brief with safe-to-spend guidance and recent activity — Home in the current iOS app.

Simply Finance Reports showing the numbers behind the daily brief — Home in the current iOS app.

Ask AI

Get clear answers grounded in your own money.

Ask a question about your recorded history and inspect the transactions behind the answer. On-device intelligence is preferred when available; cloud AI stays off until you choose a provider and add your own key.

Simply Finance Ask AI showing questions grounded in the user’s own finance history — Ask AI in the current iOS app.

Simply Finance Reports showing the financial details that support an answer — Ask AI in the current iOS app.

Budgets

See every budget before you overspend.

Set monthly limits and see spent, remaining, or over at a glance. Keep the next decision visible before a category crosses its limit.

Simply Finance category budgets showing spent and remaining amounts — Budgets in the current iOS app.

Simply Finance goals showing emergency savings, travel, and credit card payoff progress — Budgets in the current iOS app.

Switch without starting over

Bring your history. Try Simply Finance before you switch.

Import transaction history from Copilot, YNAB, Monarch, Mint, Simply Finance, or a compatible CSV. Review exactly what will be added first, then see how your real history feels in the app.

Preview first: Check transactions, accounts, categories, dates, and duplicates before anything is saved.
Your old app stays untouched: Simply Finance imports a copy of the export you choose. It never changes the original.
Re-import safely: Already imported rows are skipped, so testing again does not duplicate your history.

Available now on iPhone & iPad

Available now on Google Play

Simply Finance import screen for Copilot, YNAB, Monarch, Mint, Simply Finance, and other CSV files

Privacy

Private by what it never asks for.

Simply Finance avoids collecting the data it would later have to protect or use to build an advertising profile.

No bank connection: No Plaid, MX, open-banking token, or bank password enters the system.
Local-first: The app works offline and keeps the primary copy of your ledger on your device.
Encrypted sync: Relay operators receive encrypted content and routing metadata; the recovery phrase stays with you.
AI is your choice: On-device intelligence is preferred when available. Cloud AI stays off until you choose a provider and add your key.

See exactly what leaves your device →

On a larger screen

The plan gets room, not more chrome.

A persistent sidebar keeps every workspace one tap away. Home, goals, and multi-currency accounts stay dense and readable without stretching a phone card across the canvas.

Simply Finance Home on iPad with persistent sidebar navigation and plain-language financial answers — The complete workspaceHome answers remain central while the native sidebar keeps the rest of the ledger close.

Simply Finance goals on iPad showing an emergency fund, Japan trip, and card payoff — **Goals keep their pace visible.**Targets, progress, and the monthly amount needed stay readable beside the rest of the plan.

Simply Finance multi-currency accounts on iPad with a visible USD exchange-rate control — **Accounts keep their original currency.**The overview stays comparable without hiding the amount or exchange rate behind each balance.

Compare

A different trade-off.

Cloud-connected apps automate more and support shared households. Simply Finance chooses manual control and offline access. Full Version is a one-time app purchase; optional managed relay hosting is separate. If automatic bank import is essential, choose another tool. If privacy and ownership matter more, this is the point.

Swipe or use arrow keys to compare all apps.

Budget app comparison
Feature	Simply Finance	YNAB	Monarch	Simplifi
App price	$4.99 once	$109/year	$99.99/year	Subscription; check price
Managed relay	Optional; separate	Included	Included	Included
Bank connection	None	Optional	Optional	Optional
Working model	Local-first	Cloud account	Cloud account	Quicken-hosted
No signup needed
Readable cloud ledger	None	Yes	Yes	Yes
Household collaboration

Pricing and product models checked August 10, 2026 from YNAB, Monarch, and Quicken. Promotional pricing can change. YNAB, Monarch, and Simplifi also support manual or unlinked accounts; their bank connections are optional. See the official YNAB, Monarch, and Simplifi documentation. Simply Finance also supports the built-in relay or a relay you host yourself; optional managed hosting is offered separately through SimplySync Cloud. Check its live page for current checkout availability.

Read the detailed YNAB, Monarch Money, Simplifi, and Mint alternative guides, or see Simplifi vs Mint for former Mint users.

Shape what comes next

Make the real problem visible.

Share a feature request or explain the workflow that is still getting in your way without leaving the website. The roadmap follows recurring problems that fit the private, local-first product—not the loudest inbox thread.

Feedback & roadmap

Request: Describe the job, the friction, and the outcome you expected.
Review: Each submission is stored privately and reviewed for recurring patterns.
Roadmap: Accepted requests move only when they fit the private, local-first product.

Start with your next money review

A calmer way to manage your money.

Download free for clear daily answers, Ask AI grounded in your own money, and a clear view of every budget before you overspend.

Available now on iPhone & iPad

Available now on Google Play