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Personal Finance · head to head

EveryDollar vs Simplifi

EveryDollar logo

EveryDollar

Personal Finance

Budget every dollar, build wealth faster

From
Free
Rated
-
Full reviewWebsite
Simplifi logo

Simplifi

Personal Finance

Smart budgeting and spending tracker

From
$3.99/month
Rated
-
Full reviewWebsite

The short version

  • Only EveryDollar has a free tier, so it costs nothing to try first.
  • Each has a real cost: EveryDollar the free version has no bank connection, so every transaction is entered by hand; Simplifi there is no free tier at all
  • They diverge on capability: EveryDollar covers Zero-based budgeting, Simplifi covers Budget tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which EveryDollar and Simplifi actually diverge.

Attributes where EveryDollar and Simplifi differ
AttributeEveryDollarSimplifi
Starting priceFree$3.99/month
Pricing modelfreemiumsubscription
Free tierYesNo
Founded20142020

Identical on both: platforms (Web, IOS, Android), 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 EveryDollar

  • Zero-based budgeting
  • Transaction tracking
  • Budget planning
  • Financial insights

Only in Simplifi

  • Budget tracking
  • Spending analysis
  • Goal tracking
  • Cash flow insights
  • Credit cards

Both cover

  • Bank accounts
  • Web support
  • IOS support
  • Android support

What people use each for

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

EveryDollar

  • Zero based monthly budgeting using the Ramsey methodnot Simplifi
  • Tracking bills and sinking funds by categorynot Simplifi
  • Automatically importing bank transactions into a budget on Premiumnot Simplifi

Simplifi

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

Where each one falls short

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

EveryDollar

  • The free version has no bank connection, so every transaction is entered by hand
  • CSV export of budget data is Premium only
  • Spending reports and historical comparisons are Premium only
  • Premium costs $17.99 per month billed monthly, and the $6.67 headline rate requires paying $79.99 for a year up front
  • The free trial lasts 14 days and is limited to new users

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

EveryDollar

Free
  • EveryDollar FreeFree
    • monthly budget creation
    • unlimited custom categories
    • manual transaction tracking
  • EveryDollar Premium Annual$79.99/year
    • automatic bank connectivity
    • transaction imports
    • custom reports
  • EveryDollar Premium Monthly$17.99/month
    • automatic bank connectivity
    • transaction imports
    • custom reports

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 EveryDollar if

  • You need zero-based budgeting.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want transaction tracking.
EveryDollar 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 EveryDollar or Simplifi better?
Neither clearly leads. EveryDollar starts at Free and Simplifi at $3.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, EveryDollar or Simplifi?
EveryDollar has a free tier; the other does not. Paid plans start at Free for EveryDollar and $3.99/month for Simplifi.
Does EveryDollar or Simplifi run on more platforms?
Both run on Web, IOS, Android, so platform support will not decide this one for you.
Can I use EveryDollar for free?
Yes. EveryDollar has a free tier, so you can try it without paying. Simplifi starts at $3.99/month.
What is EveryDollar best used for?
EveryDollar is most often used for zero based monthly budgeting using the ramsey method, tracking bills and sinking funds by category, automatically importing bank transactions into a budget on premium. Of those, zero based monthly budgeting using the ramsey method and tracking bills and sinking funds by category are not what Simplifi is typically brought in for.
What can EveryDollar do that Simplifi cannot?
EveryDollar covers Zero-based budgeting, Transaction tracking, Budget planning, Financial insights. Simplifi covers Budget tracking, Spending analysis, Goal tracking, Cash flow insights. Both handle Bank accounts, Web support, IOS support, Android support.

Answered from the vendors’ own pages

EveryDollar: What is the cost of EveryDollar Premium?

EveryDollar Premium costs $79.99 per year when billed annually ($6.67/month) or $17.99 per month when billed monthly.

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
EveryDollar: Is there a free version of EveryDollar?

Yes. EveryDollar offers a free version with no time limit that includes monthly budget creation, unlimited custom categories, manual transaction tracking, and device access.

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
EveryDollar: Can you cancel EveryDollar Premium anytime?

Yes. Premium subscribers can cancel anytime through account settings and downgrade to the free version instead of deleting the account.

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
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