Simplifi vs Quicken 2025: What is the difference between them?

Jeremy Biberdorf
By: Jeremy Biberdorf
 

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Effective financial management is crucial in navigating the path toward financial freedom. Simplifi and Quicken, two renowned players in the personal finance software market, promise to provide the tools you need to keep track of your personal finances, savings goals, and expenditure.

My following comparison of Simplifi vs Quicken will look at their core features, functionalities, usability, and pricing structures –– helping you make an informed decision.

For more detailed analysis of each product check out our full reviews:

Simplifi is Better for:Quicken is Better for:
Budgeting and expense trackingComprehensive financial planning
Modern, intuitive interfaceDetailed financial health overview
Affordable and good valueDiverse pricing options

Understanding Simplifi and Quicken

Simplifi and Quicken are robust financial management tools that equip you to maintain a firm grasp on your income, spending, and financial goals. Both platforms offer unique features and functionalities –– catering to a diverse range of financial needs.

Simplifi is actually a standalone product offered by Quicken that aims to simplify financial management by offering users a clean and intuitive interface for tracking their spending, setting up savings goals, and managing financial accounts.

Simplifi’s strengths lie in its emphasis on budgeting and spending tracking, making it a valuable tool for users aiming to gain better control over their financial lives.

For a more in-depth analysis of Simplifi, check out our full review.

Quicken, on the other hand, is a well-established personal finance software with a comprehensive suite of features that include budgeting, investment tracking, and financial planning.

While it’s more traditional interface might seem less modern compared to newer apps, its extensive functionality makes it a powerful tool for those who need a comprehensive picture of their financial health.

For a deeper dive into Quicken, read our comprehensive breakdown of the platform.

SimplifiLogo Quicken
Type of Service Personal finance management, budgeting, and expense tracking Personal finance management, budgeting, and investment tracking
Fees 30-day free trial and Paid ($35.99/year or $3.99/month) 30-day money back guarantee and Paid ($34.99 - $99.99/year)
Customer Support Email and chat support for all members Phone and chat support for all members
Best Use Individuals who want to manage their personal finances, budget, and track their spending Individuals and families who want to manage their personal finances, budget, and track their investments
Modest Money Review Simplifi by Quicken Review Quicken Review
Current Promotion

More Info

Get 50% OFF on Simplifi for a Limited Time!

More Info

Get up to 50% OFF on Quicken for a Limited Time!
Modest Money Overall Rating
4.5 rating based on 5 ratings
4.8 rating based on 5 ratings
SimplifiLogo
Type of Service Personal finance management, budgeting, and expense tracking
Fees 30-day free trial and Paid ($35.99/year or $3.99/month)
Customer Support Email and chat support for all members
Best Use Individuals who want to manage their personal finances, budget, and track their spending
Modest Money Review Simplifi by Quicken Review
Current Promotion

More Info

Get 50% OFF on Simplifi for a Limited Time!
Modest Money Overall Rating
4.5 rating based on 5 ratings
Quicken
Type of Service Personal finance management, budgeting, and investment tracking
Fees 30-day money back guarantee and Paid ($34.99 - $99.99/year)
Customer Support Phone and chat support for all members
Best Use Individuals and families who want to manage their personal finances, budget, and track their investments
Modest Money Review Quicken Review
Current Promotion

More Info

Get up to 50% OFF on Quicken for a Limited Time!
Modest Money Overall Rating
4.8 rating based on 5 ratings

Simplifi vs Quicken Comparison Video

Factor 1: User Experience and Design

  • Simplifi wins with its modern, user-friendly interface.
  • Quicken offers robust features but has a more traditional design.

Comparing Simplifi and Quicken on the basis of their user interfaces and overall design.

Simplifi: Combines Ease of Use with Modern Design

Simplifi’s design, as a relatively new platform in the realm of personal finance applications, is modern and user-friendly. Users can easily navigate through various financial tools, manage their spending habits, set savings goals, and handle their bank accounts with ease.

Quicken: Traditional Design with Robust Functionality

Quicken’s interface is traditional yet packed with features. Although its design may seem slightly dated compared to newer apps, it provides comprehensive spending tracking and investment features for users who require a detailed financial picture.

Factor 2: Key Capabilities and Tools

  • Quicken excels with comprehensive financial planning and investment tools.
  • Simplifi focuses on budgeting and spending tracking, lacking Quicken’s breadth.

Simplifi: Focus on Budgeting and Expenditure Tracking

Simplifi stands out with its personalized Spending Plan, allowing users to create a monthly spending plan aligning with their financial goals. Its tools provide a clear view of your monthly income, upcoming bills, and discretionary spending, empowering users to manage their money effectively.

Quicken: Comprehensive Financial Planning and Investment Tools

Quicken, with its long-standing reputation, provides robust investment tracking and financial planning tools. For example, Quicken Deluxe includes features for tracking loans, investments, and retirement accounts. Users can also plan for taxes and monitor their property values –– making it a valuable tool for those with comprehensive financial tracking needs.

Factor 3: Mobile App

  • Simplifi offers superior mobile usability and real-time data access.
  • Quicken provides robust tools but focuses more on desktop integration.

The Simplifi app is specifically designed to be user-friendly while delivering depth and detail in its financial reporting. As an entirely web-based platform, Simplifi ensures you can access your financial data from any supported web browser or through its mobile app, as long as you’re connected to the internet.

This makes it incredibly convenient for users who prefer not to install desktop applications. The app shines by offering enhanced details in key areas such as the Dashboard, budget, transactions, and investments—all optimized for mobile use.

Conversely, Quicken’s approach to mobile app integration focuses on ensuring that users have a robust set of tools that mirror the capabilities of the desktop application. Quicken’s mobile app allows users to automatically download and categorize transactions from major financial institutions, check account balances, and monitor spending against budgets anytime and anywhere.

This ensures that users can manage their finances effectively, even when away from their computers. Additionally, the ability to enter transactions on the fly ensures instant updates to balances and budgets, which is a vital feature for those needing to make immediate financial decisions.

In this comparison, while Simplifi leads with its superior mobile usability and real-time data access, Quicken provides a comprehensive toolset that appeals to users looking for a mobile extension of their desktop financial management system.

For those who value detailed, on-the-go financial management with the convenience of not needing a desktop, Simplifi may be the better choice.

However, for users who appreciate a direct continuity of their desktop tools in a mobile format, Quicken’s robust mobile app capabilities make it an equally compelling option.

Factor 4: Cost and Subscription options

  • Simplifi is affordable with simple subscription plans.
  • Quicken offers various plans but can be more expensive.

Exploring the pricing and subscription options of Simplifi and Quicken.

Simplifi: Affordable Plans for Every User

Simplifi operates on a subscription basis, offering a 30-day free trial to new users. The app’s annual plan costs $35.99, while the monthly plan is priced at $3.99. With its affordable pricing and comprehensive features –– Simplifi presents excellent value for those seeking personal finance tools.

I have great news, if you use my exclusive link you can save 50% on the already affordable subscription.

Check Simplifi website to confirm current pricing and full terms.

Quicken: Variety of Pricing Options for Different Needs

Quicken offers multiple pricing tiers to cater to different user needs. Its most affordable plan, Quicken Starter, costs $34.99 per year and offers basic budgeting features. Other tiers, including Quicken Deluxe and Quicken Premier, provide more advanced features like investment tracking and tax planning.

Quicken’s pricing options allow users to choose a plan that best matches their financial management needs.

If Quicken’s advanced tools are a bit expensive for your budget, don’t worry, you can save up to 25% by using this link.

Check Quicken website to confirm current pricing and full terms.

Factor 5: External Customer Reviews & Ratings

External Simplifi Reviews & Ratings

SiteRating
PC Magazine4.5
Tom's Guide4.5
The Savvy Couple4.4
Investor Junkie4.3
Apple App Store4.1 from 1,882 reviews

External Quicken Reviews & Ratings

SiteRating
Best Wallet Hacks4.6 from 615 reviews
PC Magazine4.5
Top Ten Reviews4.5
Forbes4.1

Simplifi vs Quicken: My Summary

quicken simplifi website

Comparing Simplifi and Quicken reveals unique strengths that cater to different financial management needs. Simplifi, with its modern interface and focus on budgeting and spending tracking, is an excellent choice for individuals seeking a straightforward way to manage their personal finances. Click here to get started with Simplifi and experience its features firsthand.

On the other hand, Quicken, with its extensive investment tracking and financial planning tools, is a comprehensive solution for those with more complex financial management needs. If you believe Quicken is perfect for you –– click here to sign up today.

I give a slight edge to the Simplifi platform for its modern and user-friendly interface, personalized spending plan, and affordable pricing, making it particularly appealing for users who value simplicity and budgeting efficacy in their financial tools.

Both platforms offer powerful features to manage your financial life effectively. Your decision should be based on your specific financial needs and personal preference.

Get 50% OFF on Simplifi for a Limited Time!
Get up to 50% OFF on Quicken for a Limited Time!

Learn More About Simplifi

Learn More About Quicken

FAQ

Is Simplifi safe?

Absolutely, Simplifi is considered a secure platform for managing personal finances. When it comes to data security, Simplifi employs robust measures. It is operated by the same experienced team behind Quicken, a renowned personal finance tool trusted by over 20 million users for four decades.

Like Quicken, Simplifi utilizes 256-bit encryption to protect your data. Additionally, Simplifi maintains an ad-free business model, ensuring that your personal information is not sold to third parties.

Is Simplifi Better Than Quicken?

Choosing between Simplifi and Quicken depends largely on the complexity of your financial management needs. Simplifi is designed to be user-friendly and straightforward, ideal for those who need effective tools for household budgeting and accounting without a steep learning curve.

On the other hand, Quicken caters to those requiring more sophisticated features, such as business owners and entrepreneurs, though it comes at a higher cost.

To help decide which tool might be right for you, Simplifi offers a 30-day free trial. This allows you to explore its functionalities firsthand. If you choose to try it, remember to take advantage of my 50% discount.

What is the difference between Simplifi and Quicken?

Quicken Simplifi distinguishes itself by being an entirely web-based platform, which means there is no need to install a desktop application. Users can access their accounts through any supported web browser or by using the Quicken Simplifi Mobile App on their mobile devices.

This version adopts a unique budgeting approach by automatically creating a Spending Plan based on your recurring income, bills, and subscriptions. The remaining funds are then available for you to budget, save, or spend as you see fit.

In contrast, Quicken Classic utilizes a traditional category-based budgeting system. This method allows users to allocate specific spending amounts to different categories. Quicken Classic’s budgeting feature is highly customizable, enabling users to adjust spending limits for each month and manage their finances more precisely.


Jeremy Biberdorf

About the Author:

Jeremy Biberdorf is the founder of Modest Money. He’s a father of 2 beautiful girls, a dog owner, a long-time online entrepreneur and an investing enthusiast.