EasyFin vs Quicken Simplifi
Try it before you pay for a year
EasyFin is a Quicken Simplifi alternative for people who want to try an app before committing to a year and for anyone tracking more than one currency. Both do automatic bank sync, budgets, investment holdings and net worth. Simplifi sells only annual plans with no free tier and no trial, and holds US and Canadian dollars side by side without converting them. EasyFin has a free plan, monthly billing and per-transaction conversion.
Key takeaways
- Simplifi sells annual plans only — no monthly billing, no free tier, and no trial beyond a 30-day refund window.
- US and Canadian dollar accounts sit side by side without conversion, so combined balances add unlike currencies together.
- At the promotional annual rate Simplifi is the cheapest full tracker here, which is a real argument if you bank in one currency.
- EasyFin is $10 a month or $90 a year with a permanent free plan underneath it.
What is Quicken Simplifi?
Simplifi is Quicken's modern subscription app, built as a lighter successor to desktop Quicken rather than a port of it. It syncs with major US and Canadian institutions, categorizes automatically, detects recurring bills, tracks investment holdings and net worth, and centres on a spending plan that projects what you can safely spend for the rest of the month. It includes a retirement planner more developed than anything EasyFin offers. Pricing is annual only — roughly $47.88 on promotion against an $83.88 list price — with no monthly option, no free tier and no trial; the escape route is a 30-day money-back refund. It also restricts sign-in by geography, which matters if you travel.
Does Quicken Simplifi handle multiple currencies?
Not in any useful sense. Simplifi serves both the United States and Canada and will hold a US dollar account and a Canadian dollar account at the same time, which reads like multi-currency support and is not. There is no conversion between them: combined balances and net worth add the two together as if a Canadian dollar were a US dollar, and no preferred reporting currency exists to convert into. For the substantial number of Canadians holding a US dollar account, this is the exact case the app appears to cover and does not. The second constraint is commercial rather than technical — an annual-only subscription with no trial means the first real evaluation happens after you have paid for a year.
What both apps do
- Automatic bank sync across major US and Canadian institutions
- Automatic categorization and custom categories
- Category budgets and spending plans
- Investment accounts with holdings-level tracking
- Net worth tracking
- Recurring bill detection
Where they differ
| Feature | EasyFin | Quicken Simplifi |
|---|---|---|
| Free plan | Yes | No |
| Free trial | 14 days | None — refund window only |
| Monthly billing | Yes | No — annual only |
| Multi-currency conversion | Yes | No |
| Historical FX per transaction | Yes | No |
| Voice transaction entry | Yes | No |
| Access while travelling | Yes | Geo-restricted sign-in |
| Retirement planner | No | Yes |
Free trial and free plan
Simplifi has neither. You buy a year, and if it does not suit you, you request a refund within 30 days and lose access to your data when the subscription ends. EasyFin has a 14-day Pro trial sitting above a free plan that continues indefinitely at 3 accounts and 300 transactions a month, so an evaluation that goes nowhere costs nothing and leaves your history in place.
Monthly billing
Simplifi does not offer it. EasyFin is $10 a month or $90 a year. Annual-only pricing is how Simplifi reaches its low headline rate, and the trade is that the commitment comes before the evaluation rather than after it.
Multi-currency conversion
EasyFin converts every account into one preferred currency at each transaction's own historical rate. Simplifi holds CAD and USD accounts without converting between them, so a Canadian household with a US dollar account gets two correct account balances and one meaningless total. There is no setting that changes this.
Historical exchange rates
Not applicable to Simplifi, which does not convert at all. In EasyFin the rate for a transaction's date is stored with it and read forever, so a report from six months ago shows the same figures today. Budgets freeze the rate at the moment spending is counted, so a closed month cannot reopen because a currency moved.
Access while travelling
Simplifi restricts sign-in by geography, and users abroad report being locked out. EasyFin has no such restriction. For an app whose main differentiator against EasyFin is price, being unusable on the trip where you most want to check spending is a meaningful cost.
Voice transaction entry
Simplifi has none. EasyFin's voice entry produces a draft with the amount, merchant and category extracted from what you said, for you to confirm. Cash and split payments are the transactions that quietly break a spending plan, and they are exactly the ones bank sync never sees.
Retirement planner
Simplifi has one and EasyFin does not. Combined with the spending plan, this is where Simplifi's Quicken heritage shows — the long-range planning tooling is more mature than a $47.88 promotional price would suggest.
How each app handles more than one currency
Simplifi assigns no reporting currency and performs no conversion; a CAD account and a USD account each display correctly on their own and are summed directly in any combined view. EasyFin sets one preferred currency for reporting while each account keeps its own. Every foreign transaction is converted at the rate stored for its own date, so combined balances are arithmetically meaningful and past reports do not move. This is the specific gap for cross-border Canadian users, whom Simplifi otherwise serves well.
Price
| Monthly | $10 vs not offered |
|---|---|
| Annual | $90 vs $47.88 promo / $83.88 list |
| Free plan | EasyFin yes · Simplifi no |
| Trial | EasyFin 14 days · Simplifi none (30-day refund) |
Quicken Simplifi pricing verified against the vendor's own pricing page on . Prices in USD.
On the promotional annual rate Simplifi is roughly half EasyFin's price, and at list price it is still under. That is a genuine advantage and the reason to choose it if you bank entirely in one currency. What the lower price does not buy is a way out: no free tier, no trial, annual commitment, and a refund window that closes after 30 days. EasyFin's free plan means the comparison at zero dollars is 3 accounts and 300 transactions a month against nothing at all. Promotional pricing also renews at list, so the second year is the one to compare.
Where Quicken Simplifi is the better choice
At the promotional rate Simplifi is the cheapest full-featured tracker in this comparison, and its spending plan and retirement planner are more developed than anything EasyFin offers. If you bank only in US dollars and are comfortable paying a year up front, it is strong value.
Moving from Quicken Simplifi to EasyFin
- Export from Simplifi before your subscription lapses — access to your data ends with the subscription, so do this while you still have it.
- Install EasyFin and set your preferred currency, the one combined balances and budgets report in.
- Create your accounts with the correct currency on each. A US dollar account held in Canada gets USD here, not a second CAD account.
- Import the exported transactions per account. Historical rows convert at their own dates' rates rather than a single current one.
- Connect banks through Plaid for US and Canadian institutions.
- Rebuild budgets with rollover on. Simplifi's spending plan has no direct equivalent — EasyFin budgets by category and carries underspend forward instead of projecting a safe-to-spend figure.
Frequently asked questions
- Does Quicken Simplifi have a free trial?
- No. Simplifi sells annual plans only, with no free tier and no trial. The only way out is a 30-day money-back refund request, and access to your data ends when the subscription does.
- Does Simplifi handle multiple currencies?
- No. US and Canadian dollar accounts sit side by side without conversion, so combined balances add different currencies together as if they were the same one.
- How much does Quicken Simplifi cost compared to EasyFin?
- Simplifi is annual only, at roughly $47.88 on promotion against an $83.88 list price, with no monthly option and no free tier. EasyFin is $90 a year or $10 a month with a free plan. Promotional pricing renews at list, so compare the second year rather than the first.
- Can I use Quicken Simplifi in Canada?
- Yes, Simplifi serves Canada and connects to major Canadian institutions. What it does not do is convert between Canadian and US dollars, so a household holding both gets two correct account balances and a combined total that adds unlike currencies together.
- Does Quicken Simplifi work while travelling abroad?
- Not reliably. Simplifi restricts sign-in by geography and users abroad report being locked out. EasyFin has no geographic sign-in restriction.
- Can I get a refund from Quicken Simplifi?
- Within 30 days, yes — that refund window is the only trial Simplifi offers. Access to your data ends when the subscription does, so export before it lapses.
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