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Personal Finance · head to head

Banktivity vs Simplifi

Banktivity logo

Banktivity

Personal Finance

Personal finance for Mac and iOS

From
On request
Rated
-
Full reviewWebsite
Simplifi logo

Simplifi

Personal Finance

Smart budgeting and spending tracker

From
$3.99/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Banktivity runs on macOS, iPhone and iPad only, with no Windows, Android or web version; Simplifi there is no free tier at all
  • They diverge on capability: Banktivity covers Account tracking, Simplifi covers Budget tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Banktivity and Simplifi actually diverge.

Attributes where Banktivity and Simplifi differ
AttributeBanktivitySimplifi
Starting priceOn request$3.99/month
PlatformsMac, IOSWeb, IOS, Android
Founded20072020

Identical on both: pricing model (subscription), free tier (No), user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Banktivity

  • Account tracking
  • Bill management
  • Investment tracking
  • Budget forecasting
  • Investment accounts
  • Mac support

Only in Simplifi

  • Budget tracking
  • Spending analysis
  • Goal tracking
  • Cash flow insights
  • Credit cards
  • Web support
  • Android support

Both cover

  • Bank accounts
  • IOS support

What people use each for

The jobs each tool is most often brought in to do.

Banktivity

  • Personal budgeting and money management on a Macnot Simplifi
  • Investment and net worth trackingnot Simplifi
  • Retirement planning projectionsnot Simplifi
  • Connecting to over 14,000 financial institutionsnot Simplifi

Simplifi

  • Personal budgeting with automatic bank transaction importnot Banktivity
  • Tracking spending, savings goals and net worth in one placenot Banktivity

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Banktivity

  • Runs on macOS, iPhone and iPad only, with no Windows, Android or web version
  • Pricing is not shown on the product page and sits behind a separate plans page

Simplifi

  • There is no free tier at all
  • The advertised $3.99 a month requires annual billing, against $6.99 paying monthly
  • The subscription auto renews yearly at the then current price, which the terms state is subject to change rather than fixed

Pricing, plan by plan

Banktivity

On request
  • Monthly$4.99/month
    • Full feature access
    • Cloud sync
  • Annual$39.99/month
    • All monthly features
    • Discounted rate

Simplifi

$3.99/month
  • Annual$3.99/month
    • Financial aggregation across 14,000+ institutions
    • Spending plan and budgeting tools
    • Savings goals tracking
  • Monthly$6.99/month
    • Financial aggregation across 14,000+ institutions
    • Spending plan and budgeting tools
    • Savings goals tracking

Which should you pick?

Choose Banktivity if

  • You need account tracking.
  • You work on Mac, IOS.
  • You also want bill management.
Banktivity review

Choose Simplifi if

  • You need budget tracking.
  • You work on Web, IOS, Android.
  • You also want spending analysis.
Simplifi review

Questions people ask

Is Banktivity or Simplifi better?
Neither clearly leads. Banktivity starts at On request and Simplifi at $3.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Banktivity or Simplifi?
Banktivity starts at On request and Simplifi at $3.99/month.
Does Banktivity or Simplifi run on more platforms?
Banktivity runs on Mac, IOS. Simplifi runs on Web, IOS, Android.
What is Banktivity best used for?
Banktivity is most often used for personal budgeting and money management on a mac, investment and net worth tracking, retirement planning projections, connecting to over 14,000 financial institutions. Of those, personal budgeting and money management on a mac and investment and net worth tracking are not what Simplifi is typically brought in for.
What can Banktivity do that Simplifi cannot?
Banktivity covers Account tracking, Bill management, Investment tracking, Budget forecasting. Simplifi covers Budget tracking, Spending analysis, Goal tracking, Cash flow insights. Both handle Bank accounts, IOS support.

Answered from the vendors’ own pages

Banktivity: Does Banktivity offer a free trial?

Yes. Banktivity offers a 30-day free trial at any subscription level with no credit card required. This allows you to test the platform before committing.

Source
Simplifi: How much does Quicken Simplifi cost?

Quicken Simplifi costs $3.99 per month when billed annually, or $6.99 per month if billed monthly. The annual plan provides a 43% discount compared to monthly billing.

Source
Banktivity: What devices does Banktivity support?

Banktivity is available on Mac, iPhone, and iPad with cross-device sync. Data is encrypted end-to-end across all devices.

Source
Simplifi: Does Quicken Simplifi offer a free trial?

No free trial is mentioned on the Quicken Simplifi pricing page. The service operates as a cloud-based subscription requiring payment to access personal finance management features including budgeting, spending tracking, and investment portfolio management.

Source
Banktivity: How many banks does Banktivity connect to?

Banktivity connects to 14,000+ banks, allowing direct connections to most major financial institutions.

Source
Simplifi: What payment options are available for Simplifi?

Simplifi requires annual or monthly billing at checkout with automatic renewal. Cancellation is permitted before renewal without penalty.

Source
Banktivity: What financial planning tools does Banktivity include?

Banktivity includes budgeting, financial reporting, investment portfolio tracking, retirement planning tools, and net worth tracking across all your accounts.

Source
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