Simplifi is sold on a recurring plan. Promotional pricing can change, so check Quicken before deciding.
Simplifi Alternative
Updated August 12, 2026 · Simply Finance
A Simplifi alternative for offline, manual budgeting.
Simplifi by Quicken supports linked banks and manual accounts, but the service itself is online-only. Simply Finance takes a different route: a local-first ledger with no bank connection, core features that work offline, and a preview-first CSV import.
- ✓Clear daily answers
- ✓Ask AI grounded in your own money
- ✓See every budget before you overspend
- ✓One-time Full Version
Available now on iPhone & iPad
Available now on Google PlayOne-time app purchase for Sync and detailed Reports.
App purchase and relay hosting are separate
Full Version is a one-time in-app purchase. Optional managed relay hosting from SimplySync Cloud is billed separately; the built-in relay and self-hosting remain available.
Simplifi vs Simply Finance
Both support manual tracking. Simplifi also offers bank feeds in an online, Quicken-hosted service; Simply Finance centers manual control, offline use, and a local ledger.
Moving from Mint? Read the focused Simplifi vs Mint comparison.
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| Feature | Simply Finance | Simplifi |
|---|---|---|
| App price | Free / $4.99 Full Version | Recurring plan |
| Managed relay hosting | Optional; separate | Included in plan |
| Bank connection | None | Optional |
| Offline use | Core app works offline | Online-only |
| No signup needed | ||
| Working model | Local-first ledger | Quicken-hosted service |
Product model checked August 10, 2026 against Quicken’s official pricing page, manual-account guide, and online-only documentation. Offers can change, so check the live price before purchasing. Simply Finance app pricing excludes optional managed relay hosting.
Why someone may prefer Simply Finance
Simplifi is the stronger fit for many people who want automation. Simply Finance may fit when these trade-offs matter more:
- A one-time app purchase. Simply Finance Full Version is a one-time app purchase; managed relay hosting is a separate choice.
- No bank connection. You prefer deliberate manual entry or reviewed CSV imports over automatic feeds.
- Offline access. Simplifi supports manual accounts but remains an online-only service. Simply Finance’s core ledger works without a connection.
- A local-first ledger. Your readable finance records stay on your devices, including during optional sync.
What is different by design
Simply Finance is deliberately simpler and private. Add transactions directly or preview a compatible CSV before importing it. There is no bank feed to configure, but you are responsible for keeping the ledger current.
On top of the basics you get plain-language answers—how long your money would last and where your balance is heading, from your real income and spending—designed to support everyday planning without requiring a hosted account.
See the manual-entry workflow and encrypted sync boundary in more detail.
When Simplifi is the better choice
Simplifi may fit better if…
You need automatic bank imports across many accounts, or you want its spending-plan style with projected inflows and outflows and don’t mind its recurring plan. Simply Finance requires manual entry, supports one owner, and is intentionally lean—we would rather you pick the right tool than churn.
How to switch in an afternoon
Export your Simplifi transactions
Download a CSV for the accounts and history you want to evaluate. Keep the original file as your independent copy.
Check compatibility in preview
Open Settings → Import from Another App → Other CSV. Simply Finance shows what it recognizes before writing anything.
Try it with your real history
Confirm the import, inspect the ledger, and see how the calmer manual-entry workflow feels. Simplifi remains untouched.
Switch only when you are ready
Keep using Simply Finance free while you evaluate it. Cancel Simplifi only after the imported history looks right.
FAQ
Do you sell my data?
No. Simply Finance has no ads and does not sell personal data. The working ledger stays on your device. Optional sync relays can see routing and operational metadata, but finance records are end-to-end encrypted before they leave the device.
How is Simply Finance priced?
Core tracking and budgets are free to use. Full Version is a one-time $4.99 in-app purchase that unlocks Sync and detailed Reports. Optional managed relay hosting from SimplySync Cloud is billed separately; the built-in relay and self-hosting remain available.
Can I import my data from Simplifi (CSV)?
Simply Finance accepts compatible CSV files with Date and Amount columns. Choose Other CSV to preview a Simplifi export before saving; the preview confirms what can be imported and flags duplicates.
Does Simply Finance sync with my bank like Simplifi?
No. Simply Finance has no bank connection by design. You log transactions manually in a few seconds, which means no aggregator fee, no broken feeds, and nothing readable on a server. If automatic bank sync is essential to you, Simplifi is the better fit.
Is this like Simplifi's spending plan?
It covers the same core job more simply. Simply Finance uses per-category monthly budgets that show spent, remaining, and over at a glance. If you specifically want Simplifi's spending-plan style with automatic inflows and outflows, Simplifi may suit you better.
Is my financial data private?
Yes. Your data lives on your device and is end-to-end encrypted before any sync. There is no signup and no account profile. Sync relays only ever see ciphertext they cannot read.
Does it work offline?
Yes. Simply Finance is local-first, so it works fully offline. Sync is optional and only moves encrypted data between your own devices.
Try a calmer way to manage your money
Preview a copy of your Simplifi history, then compare clear daily answers, Ask AI, and straightforward budgets while Simplifi stays untouched.
Available now on iPhone & iPadAvailable now on Google Play