Quicken
Quicken Simplifi is a comprehensive financial tracking app that excels at consolidating financial data and providing spending insights, but it is frequently criticized for persistent account syncing issues, poor transaction categorization, and a difficult refund and cancellation process.
Quicken Simplifi aims to simplify personal finance management by offering a centralized view of accounts and spending. While some users find it effective for tracking and budgeting, many report significant problems with account connectivity, transaction accuracy, and customer support, especially after recent updates.
What users like
- Consolidates all financial accounts into one viewR2R17R97R108
- Helpful for tracking spending and investmentsR11R18R41R55
- Intuitive user interface for some usersR8R129R136
- Good for retirement planning and net worth trackingR63R72R86R245
- Offers customization for categories and rules (though with issues)R72R100R129
What users complain about
- Frequent and persistent account connection and syncing problemsR5R6R8R9
- Poor and inaccurate automatic transaction categorization, even with rulesR15R19R22R30
- Difficult and frustrating refund and cancellation processR1R23R31R33
- Lack of essential features compared to other apps or older Quicken versionsR11R28R36R43
- Customer support is often unhelpful, relying on bots or generic solutionsR3R9R35R48
- High subscription cost for the value provided, with price increasesR4R7R21R27
- Issues with duplicate transactions and incorrect balancesR8R14R26R53
- Missing or limited security features like biometric authenticationR56R117R191
- Recent updates have negatively impacted functionality and reportsR29R30R38R54
Latest update · v6.28.0
What the developer says changed (the verdict above weighs this against what reviewers report):
This release enhances charts and financial insights with updated chart controls, expanded AI charting capabilities, and richer Net Worth and Savings visualizations. It also improves transaction review and reminder organization, along with targeted usability and stability improvements.
Recurring themes
Who it's for
Quicken Simplifi is for individuals who want a single platform to track all their financial accounts and gain a high-level overview of their spending and net worth R2R17R97. It may be particularly useful for retired individuals or small business owners looking for basic bookkeeping R63. It is NOT for users who require precise, reliable account syncing, detailed budgeting with an 'envelope' system, robust reporting, or strong customer support R11R26R30R43.
Evidence note: The recent reviews skew heavily negative (0.5 recent-negative signal), focusing on persistent technical issues and customer service problems. While the lifetime rating is high, the recent sentiment suggests a decline in user satisfaction, especially concerning core functionalities like account syncing and categorization. The developer's notes mention 'enhances charts and financial insights' and 'usability and stability improvements,' but many recent reviews directly contradict the 'stability improvements' with ongoing reports of bugs and connection issues R6R8R25R26.
Frequently asked
Is Quicken Simplifi a free app?
Does Quicken Simplifi offer a free trial or money-back guarantee?
Can Quicken Simplifi connect to all my bank accounts?
Is Quicken Simplifi a good replacement for Mint?
What reviewers actually said
Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.
- [R2] Simplifi: Easy to set up. For me it’s great! Tracking my finances - I only have to look in one place for everything. Love it!
- [R17] New user to Q: I always thought I had decent financial literacy. After putting in all my financial information and letting Q crunch it all together, I realized how much I didn’t know! My financial literacy has shot up with the powerful tool of Q. If you’re serious about managing your finances, use Q. The cost of this product has already paid for itself many times over for me.
- [R97] Best budgeting app I’ve tried by far: It’s fully replaced the need to sign on to countless different credit card, banking, and investing apps. Integrated seamlessly with all my institutions, so I can see all my balances in one place. Takes all the guess work out of managing my budget. Would highly recommend!
- [R108] Simplifi…welcome to the 21st century: I’ve been a Quicken “on premise” user for many years and figured I would try the Simplifi web version on a Black Friday deal. Wow!!! What a difference!!! No longer waiting to download transactions and the UI is a massive upgrade. Glad I did it..I can now check all of my accounts across multiple devices with no issues. Simplifi has simplified my life.
- [R11] Good for tracking spend, difficult for following a budget: I’ve been using Simplifi (maybe renamed now?) for a while and the tracking of spend and investments has been working well for me. However, trying to use the app to track spend against a budget has been problematic. It’s like the focus is on cash flow rather than spend. So if there is no income (i.e. retirement) then trying to use the “Spen
- [R18] Great Web based Financial Product: I love the comprehensive subjects that are recorded, downloaded and/or reported on. It truly is a time saver and reference point to analyze & document personal, Contractual and Self-Employed finances. If I may add a "wish feature" or 2, it would be: 1. Add Horizontal scroll bars along with the current Vertical scroll bars. 2. Add an "instant back" link to my pre
- [R41] Super helpful: The annual subscription is absolutely worth it. I can see all of mine and my fiancé’s assets at once, categorize transactions at any time, and edit what’s needed to make the monthly reports useful for my budgeting. My only issue is that a lot of the recurring bills settings and categorizing have to be done manually, the software isn’t perfect at doing it automatically. If you don’t
- [R55] Great for analysis.: Great app if you are a visual person. It’s good at detecting reoccurring payments. However, terrible at detecting category types. I just bought subscription and used it first time and it just labeled itself as electronics. There are a lot of ways to analyze your spendings. It feels like an analyst app which I love.
- [R8] Sync Issues: The UI is intuitive and easy to use, but I have had several issues where duplicate transactions have been created. When trying to remedy the issue by deleting the duplicate transactions, the program glitches out and does not allow for the transaction to be deleted or recategorized. This seems to cause the desktop and phone apps to get out of sync, leading to it being hard to trust/kno
- [R129] Works well. Intuitive.: This is a much improved version of the Quicken I tried last year. It’s worth the cost. 5 stars if I could integrate TSP and my auto loan effectively. So some integrations aren’t there but it handles all of the others very well. I would also recommend more robust category support and the ability shift categories for all same vendor transactions from the individual transactio
- [R136] Best App: I normally don’t take the time to do reviews but after trying numerous personal finance apps this is the best one!
- [R63] Absolutely must for retirement: Over 50, need to focus on investment growth across retirement accounts and monitor spending.
- [R72] Does everything: Awesome app. Easy to hook up accounts, even had my little credit union in it. Automatically categorizes payments where possible, if not possible you can make rules to do it. Nice retirement planner. Net Worth dashboard widget. Split transactions. “Watch” buckets. Tells me how much I have to spend for the month after subtracting all bills, predicted income and planned spending buck
- [R86] Love it: Love seeing at a glance my portfolio balance on my phone. Some days fun, many days not so much but in for the long haul!
- [R245] It’s okay: Wish the spending plan tracking would update when I categorize expenditures. It ignores areas I’d like to focus on. Still like the net worth feature and ability to balance a checkbook. That was the main reason I subscribed. Was tired of using Excel.
- [R100] Easy to use and customize: Worth the small fee and easier to use with less spam or ads compared to other budget apps
- [R5] Don’t do it: It used to work fine, now accounts won’t connect. Don’t waste your money (irony is heavy here)
- [R6] Buggy: App is very buggy. Lots of account connection problems.
- [R9] Typical Intuit Product: Simplifi suffers from the same poor development as the larger products I use like QBO. Poor syncing capabilities with external accounts (the number one reason I wanted to try Simplifi), and an interface that is very counter-intuitive at times. Support is also garbage, unless you like "disconnect the account, and wait 24hrs" as an answer to your issues. Their "solutions" don
- [R15] Used to be good, WOULD NOT RECOMMEND NOW: I’ve been a Simplifi user for years now, ever since they shut down mint. The app had been working okay for the most part, however, in the last few months it’s gotten worse and worse. Nothing is categorized correctly, even after I manually update the category multiple times. The rules are completely broken, and nothing gets split or categorized correctly. H
- [R19] Poor replacement for Mint: When Mint shut down I was forced to look elsewhere for a budget tracking app. Quicken Simplifi is begrudgingly what I opted to use based on other reviews and it has been an incredibly frustrating experience. I am constantly having to correct how it categorizes purchases, it doesn’t seem to automatically categorize at all based on words in the purchase or even based on th
- [R22] Needs major improvement: The auto sort into categories is poor. There is not default category for subscriptions. I spend most of my time in the app correcting the transaction category. Mint was the gold standard and that was years ago. Now you have to pay for products that don’t come anywhere near the simplicity and ease of use Mint had for free for over a decade
- [R30] Rule creation BAD: They removed the option to add a rule when renaming/recatogorizing a transaction. They make a lot of mistakes with categories and now it’s a FULLY manual Process to have future transaction categorized properly.
- [R1] Extremely difficult to get a refund (if at all.): This application does not offer a free trial, but Quicken claims that they offer a 30-Day Money Back Guarantee. I thought “what the heck, I could try it and if it doesn’t work for me, then I can get a refund.” I was initially excited to use the application but was kinda met with a a budgeting system that doesn’t work for me. I wouldn’t have mind
- [R23] Biggest pain to cancel: Do not get if you’re not sure, to delete your data you have to fill forms, call customer support, and jump through sooo many hoops just to delete your account. DO NOT recommend at all.
- [R31] STAY AWAY!: They will set you up for a $90 automatic renewal and will keep it even if you cancel the day it renews. They make it extremely difficult to cancel. The App is useless. They don’t offer anything you can’t do on your own. Alerts are always a week late and seldom correct. Avoid at all cost.
- [R33] SCAM!!Can’t refund!!: I’m trying to get a refund but the phone number isn’t even a real business number and they don’t answer!!!
- [R28] DO NOT BUY: After uploading five months of transactions into Quicken Simplifi, Budget, I discovered that there are no memo fields to identify transactions within the software. For instance, PayPal transactions come through as PayPal transaction. But gives you no hint in Simplifi what the transaction was for. And there is no editable field to indicate the vendor. Also, the reports are very limited
- [R36] Easy but missing key items: The app is easy to use but is a letdown with budgeting and reporting
- [R43] Limited for Detailed Budgeters: Mostly this program is fine for what most people need. However, there are a few functions that highly-detailed users might need. One, I’d like to track my credit cards based on the size and due dates of the statement; this does not always match the month that charges are made, and it’s the paying of the card that actually affects bank balances. I’d also like to see
- [R3] Horrible Support: They force you to use a bot for support, which is not helpful most of the time. And then you finally get an agent, who is only helpful some time, but mostly just telling you to delete and reinstall the app or use the web version as an alternative.
- [R35] Do not waste your money!: No customer service or help when app is not working correctly
- [R48] Use the Web App Instead says Simplifi Support: I found a math error in the app. My projected balance was wrong. That’s a big deal if you are trying to figure out if your checking account will have enough money. Simplifi Support worked with me and said “what happens in iPad is that the mobile app does not work all the time is possible it get some troubles as one sometimes, so we recommend to use Si
- [R4] Waste of money: Tried it for a year. Takes way too much time to set up, constantly having to re-log into accounts. And it doesn’t do anything that a spreadsheet doesn’t do
- [R7] Another subscription…. App is now deleted: Yet another app requiring a subscription cost to be able to use it. My goodness, EVERYTHING is a subscription these days!
- [R21] Issues linking accounts: I’ve had issues linking accounts I wish there had been a trial so I didn’t waste money.
- [R27] Not consistent or easy: Don’t believe the other reviews. This program is glitchy at best and problematic at worst. Doesn’t maintain connections to accounts - constantly having to reconnect. Way too expensive for the countless issues and lack of truly valuable information. Does not recognize payments made and shows late payments. Terrible. Really.
- [R14] Wasting Time: By all means download this app if you enjoy sync errors, debits marked as credits, incompatible accounts, and missing transactions. I spend more time making corrections than I do analyzing my finances.
- [R26] Accounts Lose Connectivity by the Day: Quicken Simplifi has been a huge disappointment. I have multiple high-usage accounts that have lost connectivity, and there does not appear to be any real resolution in sight. On top of that, manual accounts are calculated incorrectly, which makes the app unreliable for tracking my finances. For something that requires an annual subscription, the service is a
- [R53] Garbage: My iPhone and my iPad budgets never match. It’s very frustrating.
- [R56] Not a safe place for your money.: The lack of basic security controls in this app is surprising. Simplifi does not require login or biometric authentication to open the app and stays permanently logged in. Anyone with access to your unlocked device can see your entire financial picture. This may be acceptable years ago, but not today. Most financial apps provide: • Face ID / biometric lock • Ses
- [R117] I like it but: I like how this works. But, I am so scared of sharing my bank information. I looked for a way to down load the data and add it on my own but, I did not find that. The security is my only negative
- [R191] no multi-factor authtenticationd: i wish it had multi-factor authentication- i would feel safer
- [R29] Latest update: After the latest update I can no longer access my Robinhood details in app
- [R38] Recent updates have made this app so bad: I’m getting tired of these vibe code changes recently. They’ve changed reports so much that they’re unusable right now. They show you a bunch of unusable tiles on the report screen so you can’t even see all the categories right now, just the“top” ones. Good thing my subscription is ending soon not coming back to this app.
- [R54] Latest version took away key reports: I’ve been using this app for years and have all my transactions categorized as I like them. The latest app update took away the “spending over time” reports so now I have to start over elsewhere. Very frustrating
- [R20] Not good: Was working alright but randomly would stop working and i would need to reset all my recurring bills etc. then suddenly stopped connecting to my bank account and wouldnt reconnect so im left with the wrong info and no way to fix it.
- [R10] It ok: The app will allow you to view your info but that is pretty much all I can count on. I can generally make one update to a transaction but subsequent updates fail.
- [R16] Needs usability testing.: This could be a really great app but falls apart on usability for most of the little things.
- [R50] Terrible: Can’t use the app without paying
- [R61] Money.: When you sign up, you cannot use any of the features until you subscribe to a plan. Everything is locked away behind a paywall. It’s also really difficult to delete my account. There is no delete button. Overall, it’s difficult to use.
- [R65] Horrible: Don’t subscribe through the app store. Quicken offers a “30-Day Guarantee: You can request a full refund within 30 days of your initial purchase or annual renewal.” Apple doesn’t honor this policy and denies refund requests.
- [R25] Decent until recently: Very long time Quicken user. Simplifi was decent until recently. I lost my connection to Venmo last year and have never been able to reconnect. Not a huge deal, just been entering the transactions manually. Now, after recent update, i can no longer connect to Robinhood. It’s been 9 days, and is a much bigger deal since i do most banking through Robinhood. I have seen multipl
- [R34] Can no longer sync my primary account: The app is decent. It would be great if transaction categories could be saved. If I apply a category to a transaction, it should carry over, by default, to all future transactions from the same business. Also, my primary bank hasn’t been supported by Quicken for at least six months now. It was working when I first started using Quicken. A message pops up sayi
- [R46] Sounds great - until you find out your bank isn’t supported.: I have never run into a more frustrating finance app. It seemed ideal - but it was only AFTER I paid the subscription fee that I found out OnePay wasn’t supported. Since that’s my main checking account, that is an absolute dealbreaker. It would be nice if you offered a free trial, but I guess that’s just too much to ask.
- [R192] Basic but Functional: I still miss Mint. I lost a lot of data tagging with the import that I’m still a bit miffed about. Simplifi is better than nothing for tracking expenses but the user experience just feels clunky. Swapping the category for a pending transaction sometimes yields a duplicate transaction and syncs are slow and sometimes, I still have to force a 2nd one to get new transactions. Sp
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store