# Hiatus vs Quicken Simplifi

> Quicken Simplifi scores 20.7 (F) to Hiatus's 14.3 (F) for subscription tracking. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi
- Markdown: https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.md (~1,900 tokens)
- Slim: https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.min.md (~530 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-14

Quicken Simplifi scores 20.7 (F) on agent readiness against Hiatus's 14.3 (F), and leads in 3 of 7 scored categories. Hiatus leads on payments & pricing. Both do subscription tracking.

- Hiatus: grade F, 14.3/100, rank #1054 of 1076. Markdown https://www.anchorterminal.com/tools/hiatus.md · JSON https://www.anchorterminal.com/api/v1/tools/hiatus.json
- Quicken Simplifi: grade F, 20.7/100, rank #1037 of 1076. Markdown https://www.anchorterminal.com/tools/quicken-simplifi.md · JSON https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.json
- Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md
- All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md

## Which one, for what

### Hiatus (F)

Good for: People who want subscriptions found and bills negotiated for them.

Ahead on:
- Payments & pricing, 20 against 10

Watch for: No public API or MCP server an outside agent can call.

### Quicken Simplifi (F)

Good for: US and Canadian households who want spending, bills, subscriptions and investments in one subscription app.

Ahead on:
- Reliability, 50 against 15

Watch for: No public API or MCP server an outside agent can call; a staff forum reply says none is planned.


## Score by category

| Category | Weight | Hiatus | Quicken Simplifi | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 15 | 50 | Quicken Simplifi +35 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 0 | 0 | even |
| Agent ergonomics | 13% (16.2 this run) | 0 | 0 | even |
| Security & auth | 14% (17.5 this run) | 0 | 0 | even |
| Payments & pricing | 10% (12.5 this run) | 20 | 10 | Hiatus +10 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 54 | 58 | Quicken Simplifi +4 |
| Transparency & trust | 7% (8.8 this run) | 47 | 50 | Quicken Simplifi +3 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **14.3 · F** | **20.7 · F** | |

## Facts side by side

| Fact | Hiatus | Quicken Simplifi |
| --- | --- | --- |
| Kind | Platform | Platform |
| Vendor | Hiatus Inc. | Quicken Inc. |
| Hosted endpoint | no (local only) | no (local only) |
| Transports |  |  |
| Auth | OAuth or key | OAuth or key |
| Pricing | Freemium | Paid |
| Price for subscription tracking | not published | $9.99 per month (plan) |
| x402 | no | no |
| Licence | Closed service under the Hiatus Terms of Use (Hiatus Inc., a Delaware corporation). | Closed service under the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.) |
| Read-only variant documented | no | no |
| llms.txt | no | no |
| Last release | 2026-10-06 | 2026-10-07 |
| Terms last updated | 2026-02-27 | 2025-07-30 |
| Privacy policy last updated | 2026-02-27 | no date given |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | yes | yes |
| Terms restrict benchmarking | not found in the text | not found in the text |
| Terms or service can change without notice | yes | yes |
| Arbitration or class-action waiver | yes | yes |

## Verdicts

**Hiatus.** Hiatus covers subscription tracking, cancellation and bill negotiation for people, with dated terms and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today, no developer or partner page, and the terms forbid automated access. Premium prices appear only as App Store in-app purchases.

**Quicken Simplifi.** Quicken Simplifi tracks spending, bills, subscriptions and investments for US and Canadian households, with iOS releases about every week. There is no public API or MCP server an outside agent can call, and Quicken staff say none is planned. No free plan, no security contact found, and providers are named only by category.

## Before you call either

### Hiatus

1. Don't plan to call Hiatus from another agent. There is no public API, so hand subscription and bill tasks to the person in the Hiatus app.
2. Tell the person bill negotiation and cancellation need Hiatus Premium, bought in the app.

### Quicken Simplifi

1. Don't plan to call Simplifi from another agent. Hand the task to the person in the Simplifi app or web app.
2. Don't log in on the person's behalf or scrape the web app; the terms forbid access outside Quicken's supported interfaces.

## Questions

### Which is better for AI agents, Hiatus or Quicken Simplifi?

Quicken Simplifi scores 20.7 (F) on agent readiness against Hiatus's 14.3 (F), and leads in 3 of 7 scored categories. Hiatus leads on payments & pricing.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.json, and with the fewest tokens: https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "hiatus", "b": "quicken-simplifi"}`. From a terminal: `anchor compare hiatus quicken-simplifi`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/hiatus.json and https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.json

## Other comparisons with Hiatus or Quicken Simplifi

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- [Quicken Simplifi vs ScribeUp](https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.md)
- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md)
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- [Copilot Money vs Quicken Simplifi](https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.md)
- [Hiatus vs YNAB](https://www.anchorterminal.com/compare/hiatus-vs-ynab.md)
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- [Quicken Simplifi vs YNAB](https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.md)
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