Personal Finance · head to head
Simplifi vs Mint
The short version
- Only Mint has a free tier, so it costs nothing to try first.
- Each has a real cost: Simplifi there is no free tier at all; Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
- They diverge on capability: Simplifi covers Budget tracking, Mint covers Expense tracking.
Where they differ
Only the attributes on which Simplifi and Mint actually diverge.
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 Simplifi
- Budget tracking
- Spending analysis
- Goal tracking
- Cash flow insights
- Bank accounts
- Credit cards
- IOS support
Only in Mint
- Expense tracking
- Budgets
- Bill tracking
- Credit score monitoring
- Financial insights
- Bank connections
- Bank-level encryption
- Verisign secured
Both cover
- Web support
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Simplifi
- Personal budgeting with automatic bank transaction importnot Mint
- Tracking spending, savings goals and net worth in one placenot Mint
Mint
- Legacy free budget tracking for users with supported bank connectionsnot Simplifi
- Users transitioning to Credit Karma for continued money management featuresnot Simplifi
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
Mint
- Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
- Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported
Pricing, plan by plan
Simplifi
On request- Monthly$5.99/month
- Budget tracking
- Spending insights
- Goal setting
- Annual$59.99/month
- All monthly features
- Discounted rate
Mint
FreeNo published plan breakdown. See the Mint review.
Which should you pick?
Choose Simplifi if
- You need budget tracking.
- You work on Web, IOS, Android.
- You also want spending analysis.
Choose Mint if
- You need expense tracking.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want budgets.
Questions people ask
- Is Simplifi or Mint better?
- Neither clearly leads. Simplifi starts at On request and Mint at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Simplifi or Mint?
- Mint has a free tier; the other does not. Paid plans start at On request for Simplifi and Free for Mint.
- Does Simplifi or Mint run on more platforms?
- Simplifi runs on Web, IOS, Android. Mint runs on Web, iOS, Android.
- Can I use Mint for free?
- Yes. Mint has a free tier, so you can try it without paying. Simplifi starts at On request.
- What is Simplifi best used for?
- Simplifi is most often used for personal budgeting with automatic bank transaction import, tracking spending, savings goals and net worth in one place. Of those, personal budgeting with automatic bank transaction import and tracking spending, savings goals and net worth in one place are not what Mint is typically brought in for.
- What can Simplifi do that Mint cannot?
- Simplifi covers Budget tracking, Spending analysis, Goal tracking, Cash flow insights. Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring. Both handle Web support, Android support.