Leave a Review Quicken Simplifi
Best budgeting app out there but for one major flaw
This app is fantastic. I’ve used Dave Ramsey’s envelope system with all cash, graduated to EveryDollar, dabbled in Mint and settled with YNAB over the past 12 years before reading about Simplifi in Wirecutter. Started using four months ago and is hands-down the best app I’ve used for budgeting and money management. Easily saved me hundreds in first few months by getting me back on the money-management wagon. There are loads of unique features which make it a cut above the rest.
A few weeks ago, arguably the best feature of the App, the Spending Plan, just stopped working correctly for a day or so. Annoying, but not the end of the world. Well, three weeks later, the bug has returned and the Spending Plan has been out of sync and offline for the past four days…right at the end of the month when money needs the most active managing. Needless to say, this is a criticism issue that needs to be addressed. I’m hoping the developer gets this fixed ASAP and this does not become a recurring error.
Hoping for the best, but expectations have officially been lowered.Show lessjostini85
I thought I had no money but now I know for sure
I was obsessed with Simplifi for a few days when I started with it. It’s a game changer. The features - transactions, watch list, reports, savings goals, and spending plan - especially the spending plan - are intuitive. All the ways I would think I’d want to understand my money are all here. It’s not 5 stars because it’s got a lot of little quirks that I think mostly come from the complicated nature of tracking money from various accounts that all behave differently. They’re so unique that I would need a few paragraphs to adequately explain any one of the examples. I’m hoping Simplifi gets better at handling all the weird situations it finds itself in. Simplifi is quirky but I still really love it. It’s given me a lot of peace knowing how much money I actually have to spend.
Edit: I don’t know any money tracking app with similarly useful features as Simplifi, so there is no replacement. But the mobile app has been so hard for me to use lately. Categories and tags and planned spending budgets are missing. The way pending transactions work sometimes is clunky and it throws balances off. Spending from a savings goal is awkward. I’m going to uninstall and reinstall to see if that helps.Show lessjognac
Why?
I’ve tried really hard to like this app. It has a lot of potential and could someday be the premier app. First, it does not try to get you open credit card accounts or sign up for investment accounts or save money on car insurance. It is focused on your finances and budgeting. They are fairly responsive and will work with you to fix issues, it may take an extended period, but they will work with you. What’s holding it back? Glad you asked. First, connectivity. Every week, sometimes multiple days you will see messages that you have to fix connections to financial institutions. It is painful. The app doesn’t fix the connections in the background. You have to sit there and take it like a champ. Second, it does not support property accounts. Simplifi’s sister company has full integration with Zillow and will show you estimates of your property value to help calculate your net worth. Not here! If there is a change in property value, you’ll have to delete and set up your account again. Third, there is no native support for iPad. It claims to work on iPad until you use landscape orientation. Watch out for the crick in the neck.
3/3/22
Took this down a star because there are no reports to see how you are doing over time. For example, the most basic of charts, net worth is missing.Show lessgyposse
Good and useful app
This app really helped me to get my budget under control. I was using pen-and-paper before, which really let a lot of transactions get through the cracks. Being able to link all my accounts, loans, credit cards is very useful to keep them in check. I also love being able to use either my phone or the web app. Achievements and goals are a little gimmicky, but you aren’t forced to interact with them. Only two things are sub-par about it. Mobile app doesn’t have a dark mode, and there is no official iPad app. Once it has these, I will give it 5 stars.Show lessmatmcc25
Best Personal Finance App Online
I’ve been using Simplifi for about a year and a half now and can say that it’s the best personal finance app currently available online (and I think I’ve tested them all). It’s bank connect feature saves a huge amount of time but if your bank isn’t supported yet you can still manually upload your transactions so it essentially supports every bank and credit card accounts you have. You can track your recurring bills/subscriptions/transfers and what’s really helpful is the Spending Plan which determines your available “to spend” for the month after breaking down your income, recurring bills, planned spending and more. I’ve personally never seen this before in any other app. Since Simplifi is still relatively young you do run into the occasional bug, but the support and developers have been quick to help and seem to be right on top of things. They have many new features still in development (which I’m looking forward to) do the software will continue to get better. I highly recommend giving it a shot!Show lesstpierce71
Needs work :(
I love the idea and the features. But the app is full of bugs. I used it for about a year and i love the features it has.
However it is very overwhelming because it doesn’t do a good job at guiding you through the features and what can you do, letting you figure out all the different things you can do and why. It’s very confusing.
I had a nightmare time setting up recurrent expenses like bills etc. Every other month they would disconnect, get duplicated. It defeats the whole purpose of seeing all your bills in one place, and it’s and incredible waste of time manually changing everything just to have to do it again every single month.
Customer support has good intentions but doesn’t solve the problems. They require you to submit a lot of information about your issues and that becomes also extremely time consuming. I’d spend about an hour every time I had an issue, sometimes multiple times a month.
I want this app to become better and I’ve always rooted for it. I think it’s way too immature at this point to trust with all your financial data.Show lessRamagno91
Two problems, but overall a good budget tool
I am definitely enjoying tracking my expenses and spending habits through this app, but I’m going to list problems I’m experiencing that have not been fixed.
1. I have reminders of bills from July that I have tried to delete a hundred times and won’t go away. Get these bugs fixed! You’re a paid app!
2. I get a notification every day that basically tells me to quit being so poor and find more money to spend. I’m in a tough spot financially this year and I’m sick of being shamed about it by an app that’s supposed to support me. Please get rid of this daily notification.Show lessanother Dude
I want to love this app
I’ve tried almost all of the budget apps on the App Store (or so it feels like) and Simplifi is my favorite! It does everything you could possibly want it to do! But, is it has a lot of bugs, and I mean a lot. Some of my accounts ask for 2 factor every time I open the app and then proceed to give me an error. Citi, in particular, is a PITA, I can never see my transactions. Other times it brings my transactions in instantly and at other points it takes days to see a transaction from the exact same instruction. As the title says, I want to love this app, but it just has so many glaring bugs.Show lessLeo',
Too many flaws to keep using
I appreciate the developer’s stance on privacy. I really do. But I just ran into too many issues and I give up.
* Can’t close Simplify/Quicken account from the app, must get a link from customer support (for shame)
* Somehow uses MORE energy than playing Candy Crush Soda Saga, making a very noticeable battery impact
* Fails to recognize transfers between accounts well (this is critical)
* Let’s you make rules to categorize/rename transactions but you can’t run them against past transactions, you must find and fix all those manually
* Often wouldn’t let me select some option until I left editing a transaction and went back in
* Help section feels like an afterthought, fails to render well. Help isn’t very comprehensive either
* Some options like marking something as a Subscription are hidden deep
* Some features require you to log in to the web version
* Ultra-basic handling of investments (can’t transfer money into them?)
* No iPad app
This app is at least a year old and just doesn’t feel ready. It may be fine if you only have a checking account but as soon as you get a second account flaws start to show.Show lessFoobarsoft
Please make this app better!
I loved this app at first but the more I use it the more frustrated I become. There are constant duplicate entries that you have to go in and manually delete. They obvs know because they have a “oops sorry” blog post abt it, but it’s not fixed months later. It doesn’t learn category rules for some repeat transactions no matter how many times you set it. The prediction for income / expenses in the month ahead is useless unless you earn the same amount every month and have no irregular anticipated income or expenses. It’s so annoying! And what’s worse is that there’s not a better app to switch to. As soon as somebody makes one, I’m outta here unless they fix this wreck. Seriously, wayyyy back in the day before Mint (the worst!) when Quicken had a free online budgeting thing that was 10X more simple, it was perfect and easy to use. Why?????Show lessrezzzed
