{ "data": { "a": { "slug": "quicken-simplifi", "name": "Quicken Simplifi", "vendor": "Quicken Inc.", "vendorUrl": "https://www.quicken.com/products/simplifi/", "kind": "platform", "category": "personal-finance", "summary": "Quicken Simplifi is a subscription personal finance app for web, iOS and Android. It connects bank, card and investment accounts to track spending, bills and subscriptions, build a spending plan, set savings goals and project cash flow.", "url": "https://www.anchorterminal.com/tools/quicken-simplifi", "markdownUrl": "https://www.anchorterminal.com/tools/quicken-simplifi.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/quicken-simplifi.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.json", "license": "Closed service under the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.)", "transports": [], "packages": [], "auth": "mixed", "authNotes": "A Quicken ID with a password and the multi-factor authentication Quicken sets, used in the Simplifi web and mobile apps. Financial institutions are connected inside the app (https://www.quicken.com/about-us/terms/simplifi-and-lifehub/).", "pricing": "paid", "pricingNotes": "Billed annually. The product page shows $3.99 a month against a regular $6.99, as a first-year offer for new members ordering from Quicken by 6 November 2026, renewing at the then-current rate (https://www.quicken.com/products/simplifi/). The US App Store lists a Simplifi annual plan at $84.99 and a monthly subscription at $9.99 (https://apps.apple.com/us/app/id1449777194). No free plan; the terms give a full refund on cancellation within 30 days of the first subscription period and say free trials may be offered from time to time.", "priceSummary": "$3.99 / mo", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 on the Simplifi product page, the terms or the privacy statement (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "capabilities": [ "finance.subscriptions", "finance.budgets", "finance.bills", "finance.transactions" ], "tags": [ "not-for-agents", "hosted", "official", "closed-source", "paid", "ios", "android", "status-page" ], "lastRelease": "2026-10-07", "graded": true, "anchor": { "graded": true, "score": 20.7, "grade": "F", "agentReady": false, "rank": 1037, "ranked": true, "rankOf": 1076, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 58, "payments": 10, "reliability": 50, "schema": 0, "security": 0, "transparency": 50 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "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.", "bestFor": "US and Canadian households who want spending, bills, subscriptions and investments in one subscription app.", "strengths": [ "16 iOS releases between 22 July and 7 October 2026.", "Status page at status.quicken.com with a simplifi.quicken.com component.", "Full refund on cancellation within 30 days of the first subscription period, per the terms." ], "weaknesses": [ "No public API or MCP server an outside agent can call; a staff forum reply says none is planned.", "The terms forbid scraping, crawling and access by any means other than Quicken's supported interfaces.", "No free plan, and the advertised $3.99 is a first-year offer billed annually.", "No security contact, disclosure policy or named subprocessors found." ], "agentNotes": [ "Don't plan to call Simplifi from another agent. Hand the task to the person in the Simplifi app or web app.", "Don't log in on the person's behalf or scrape the web app; the terms forbid access outside Quicken's supported interfaces." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "F", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 20.7 } ], "editorialScores": { "ergonomics": 0, "maintenance": 58, "payments": 10, "reliability": 50, "schema": 0, "security": 0, "transparency": 32 }, "provenanceScore": 68 }, "letme": { "capability": "https://letme.dev/finance.subscriptions", "tool": "https://letme.dev/quicken-simplifi" }, "area": "domain-data", "unitPrices": [ { "item": "Simplifi, annual billing, first-year offer", "unit": "month", "usd": 3.99, "note": "billed annually, regular $6.99 a month, offer to 6 November 2026" }, { "item": "Simplifi monthly subscription, App Store", "unit": "month", "usd": 9.99, "note": "US App Store in-app purchase" } ], "provenance": { "legalEntity": "Quicken Inc.", "domain": "quicken.com", "domainRegistered": "1995-06-13", "endpointOnVendorDomain": null, "terms": "https://www.quicken.com/about-us/terms/simplifi-and-lifehub/", "privacy": "https://www.quicken.com/privacy-us/us/", "statusPage": "https://status.quicken.com", "changelog": "", "securityTxt": "unknown", "checked": "2026-10-14", "notes": [ "The Simplifi and LifeHub Terms of Use (updated 30 July 2025) are between the user and Quicken Inc. The US Privacy Statement was last updated 4 September 2025.", "www.quicken.com/.well-known/security.txt answered 403 Forbidden, as did /security and /llms.txt, so whether a security.txt exists couldn't be read.", "status.quicken.com is a Status.io page whose history lists only planned maintenance, the latest on 15 April 2026.", "RDAP gives a registration date of 1995-06-13 for quicken.com." ], "score": 68 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/quicken-simplifi.json", "live": { "slug": "quicken-simplifi", "vendorStatus": { "page": "https://status.quicken.com", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-14T08:53:50.186645409Z" }, "updatedAt": "2026-10-14T08:53:50.186645409Z" } }, "answer": "YNAB scores 65.1 (B) on agent readiness against Quicken Simplifi's 20.7 (F), and leads in every scored category.", "b": { "slug": "ynab", "name": "YNAB", "vendor": "YNAB", "vendorUrl": "https://www.ynab.com", "kind": "http-api", "category": "personal-finance", "summary": "YNAB is a subscription budgeting app for people. Its REST API reads and edits a user's plans, accounts, categories, payees and transactions, with personal access tokens or OAuth for apps other users authorise.", "url": "https://www.anchorterminal.com/tools/ynab", "markdownUrl": "https://www.anchorterminal.com/tools/ynab.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/ynab.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/ynab.json", "repo": "https://github.com/ynab/ynab-sdk-js", "license": "Proprietary service; SDKs Apache-2.0", "transports": [ "http" ], "remoteUrl": "https://api.ynab.com/v1", "packages": [ { "registry": "npm", "name": "ynab" }, { "registry": "pypi", "name": "ynab" }, { "registry": "rubygems", "name": "ynab" } ], "auth": "mixed", "authNotes": "Bearer token in the Authorization header. A personal access token is made in the web app under Account Settings, Developer Settings, after entering the password; it never expires and is revoked from the same page. OAuth apps use the implicit grant or the authorisation code grant with PKCE and state; access tokens last 2 hours and the code grant returns a refresh token. scope=read-only gives a token that gets 403 on writes. New OAuth apps are in Restricted Mode, limited to 25 users other than the owner, until a review that takes 2 to 4 weeks (https://api.ynab.com/).", "pricing": "paid", "pricingNotes": "The API comes with a YNAB subscription at no extra charge. $14.99 a month or $109 a year in US dollars, with a 34-day free trial that needs no card when signing up on ynab.com (app stores may ask for one) and a 365-day trial for college students (https://www.ynab.com/pricing). A lapsed subscription or expired trial returns 403.1 or 403.2 on every call (https://api.ynab.com/#errors).", "priceSummary": "$14.99 / mo", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the API documentation, the OpenAPI file or the pricing page (checked 2026-10-14).", "endpoints": [] }, "toolCount": 0, "popularity": { "githubStars": 240, "npmWeekly": 9596, "pypiWeekly": 2299, "asOf": "2026-10-14" }, "docsUrl": "https://api.ynab.com/", "openapi": "https://api.ynab.com/papi/open_api_spec.yaml", "capabilities": [ "finance.budgets", "finance.transactions" ], "tags": [ "hosted", "oauth", "openapi", "typescript", "python", "ruby", "status-page", "bug-bounty", "security-txt", "free-trial", "no-card", "read-only-mode", "closed-source" ], "lastRelease": "2026-09-17", "graded": true, "anchor": { "graded": true, "score": 65.1, "grade": "B", "agentReady": false, "rank": 351, "ranked": true, "rankOf": 1076, "categoryRank": 1, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 71, "maintenance": 62, "payments": 30, "reliability": 82, "schema": 77, "security": 51, "transparency": 75 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "high", "date": "2026-10-14" }, "negative": 0, "verdict": "A public OpenAPI 3.1.1 file, a dated changelog and an OAuth read-only scope let an agent read and edit a person's own budget. Each token is limited to 200 requests an hour with no Retry-After, personal access tokens never expire and have no read-only option, and access always starts with a person signing up in a browser.", "bestFor": "An agent helping one person with their own YNAB plan, reading spending and editing categories, transactions and targets.", "strengths": [ "Public OpenAPI 3.1.1 file at api.ynab.com/papi/open_api_spec.yaml, version 1.87.0, with 44 operations", "OAuth authorisation code grant with PKCE, refresh tokens and a read-only scope that returns 403 on writes", "Delta requests with last_knowledge_of_server on nine resources return only what changed", "Dated API changelog with 21 versions since February 2024, the latest on 17 September 2026", "Official SDKs for JavaScript, Python and Ruby under Apache-2.0, with CI passing on the JavaScript SDK" ], "weaknesses": [ "Each access token is limited to 200 requests an hour in a rolling window, and 429 responses carry no Retry-After", "Personal access tokens don't expire and can't be limited to reading", "No list pagination, so a full transaction list depends on date filters and delta requests", "Getting access needs a person to sign up and create a token or OAuth app in the web app", "No llms.txt or Markdown version of the API docs; the site's llms.txt is a product description" ], "agentNotes": [ "Use last-used in place of plan_id until you have listed plans with GET /v1/plans", "Store server_knowledge and send it back as last_knowledge_of_server to stay inside 200 requests an hour", "Read and write amounts in milliunits, or read the _currency fields added in v1.82.0", "Set import_id on transactions you create so a retried POST is matched instead of duplicated", "Request scope=read-only on OAuth when the task only reads the budget" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "high", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 65.1 } ], "editorialScores": { "ergonomics": 71, "maintenance": 62, "payments": 30, "reliability": 82, "schema": 77, "security": 51, "transparency": 57 }, "provenanceScore": 92 }, "connect": { "install": "npm install ynab", "http": "curl -H \"Authorization: Bearer \u003cACCESS_TOKEN\u003e\" https://api.ynab.com/v1/plans" }, "letme": { "capability": "https://letme.dev/finance.budgets", "tool": "https://letme.dev/ynab" }, "area": "domain-data", "unitPrices": [ { "item": "YNAB subscription, monthly", "unit": "month", "usd": 14.99, "note": "API included" }, { "item": "YNAB subscription, annual", "unit": "month", "usd": 9.08, "note": "billed $109 a year, API included" } ], "provenance": { "legalEntity": "You Need A Budget LLC", "domain": "ynab.com", "domainRegistered": "2001-11-24", "endpointOnVendorDomain": true, "terms": "https://www.ynab.com/terms/", "privacy": "https://www.ynab.com/privacy-policy/", "statusPage": "https://ynabstatus.com", "changelog": "https://api.ynab.com/#changelog", "securityTxt": "valid", "checked": "2026-10-14", "notes": [ "The terms (last modified 9 April 2026) and the privacy policy (effective 20 April 2026) name You Need A Budget LLC d/b/a YNAB, governed by Utah law, with You Need A Budget UK Ltd of Cheltenham for UK and EEA open banking.", "API Terms of Service sit on api.ynab.com under Legal and work with the general terms and privacy policy.", "security.txt at api.ynab.com/.well-known/security.txt names Bugcrowd and security@ynab.com but has no Expires line, which RFC 9116 requires. www.ynab.com/.well-known/security.txt returned 404.", "RDAP at Verisign gives a registration date of 2001-11-24 for ynab.com.", "The status page at ynabstatus.com is a Statuspage site with a Public API component." ], "score": 92 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/ynab.json", "live": { "slug": "ynab", "probe": { "target": "https://api.ynab.com/v1", "method": "get", "lastAt": "2026-10-14T09:42:14.536615748Z", "lastOk": true, "lastStatus": 200, "lastMs": 317, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 320, "p95ms24h": 379, "samples24h": 17, "samples30d": 17, "days": [ { "date": "2026-10-14", "probes": 17, "ok": 17 } ] }, "vendorStatus": { "page": "https://ynabstatus.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-14T09:39:48.725692047Z" }, "updatedAt": "2026-10-14T09:42:14.536615748Z" } }, "facts": [ { "a": "Platform", "b": "HTTP API", "name": "Kind" }, { "a": "Quicken Inc.", "b": "YNAB", "name": "Vendor" }, { "a": "no (local only)", "b": "https://api.ynab.com/v1", "name": "Hosted endpoint" }, { "a": "", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "OAuth or key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Closed service under the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.)", "b": "Proprietary service; SDKs Apache-2.0", "name": "Licence" }, { "a": "none", "b": "0", "name": "Tools exposed" }, { "a": "no", "b": "yes", "name": "Read-only variant documented" }, { "a": "no", "b": "no", "name": "llms.txt" }, { "a": "2026-10-07", "b": "2026-09-17", "name": "Last release" }, { "a": "2025-07-30", "b": "2026-04-09", "name": "Terms last updated" }, { "a": "no date given", "b": "2026-04-09", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "yes", "b": "yes", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "yes", "b": "yes", "name": "Arbitration or class-action waiver" }, { "a": "none", "b": "240 stars, 9.6k npm/wk, 2.3k PyPI/wk", "name": "Popularity" } ], "faq": [ { "answer": "YNAB scores 65.1 (B) on agent readiness against Quicken Simplifi's 20.7 (F), and leads in every scored category.", "question": "Which is better for AI agents, Quicken Simplifi or YNAB?" }, { "answer": "No hosted endpoint is listed for Quicken Simplifi. YNAB has a hosted endpoint at https://api.ynab.com/v1.", "question": "Can an agent call Quicken Simplifi and YNAB without installing anything?" } ], "goodFor": [ { "aheadOn": null, "also": null, "goodFor": "US and Canadian households who want spending, bills, subscriptions and investments in one subscription app.", "slug": "quicken-simplifi", "watchFor": "No public API or MCP server an outside agent can call; a staff forum reply says none is planned." }, { "aheadOn": [ "Reliability, 82 against 50", "Schema \u0026 documentation, 77 against 0", "Agent ergonomics, 71 against 0", "Security \u0026 auth, 51 against 0", "Payments \u0026 pricing, 30 against 10", "Transparency \u0026 trust, 75 against 50" ], "also": [ "A hosted endpoint, with nothing to install", "Free to start without a card" ], "goodFor": "An agent helping one person with their own YNAB plan, reading spending and editing categories, transactions and targets.", "slug": "ynab", "watchFor": "Each access token is limited to 200 requests an hour in a rolling window, and 429 responses carry no Retry-After" } ], "job": { "capability": "finance.budgets", "name": "Budgets" }, "others": [ { "json": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.json", "title": "Emma vs Quicken Simplifi", "url": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi" }, { "json": "https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.json", "title": "Hiatus vs Quicken Simplifi", "url": "https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi" }, { "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money.json", "title": "Quicken Simplifi vs Rocket Money", "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money" }, { "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.json", "title": "Quicken Simplifi vs ScribeUp", "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup" }, { "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.json", "title": "Quicken Simplifi vs Snoop", "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop" }, { "json": "https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.json", "title": "Copilot Money vs Quicken Simplifi", "url": "https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi" }, { "json": "https://www.anchorterminal.com/compare/copilot-money-vs-ynab.json", "title": "Copilot Money vs YNAB", "url": "https://www.anchorterminal.com/compare/copilot-money-vs-ynab" }, { "json": "https://www.anchorterminal.com/compare/emma-vs-ynab.json", "title": "Emma vs YNAB", "url": "https://www.anchorterminal.com/compare/emma-vs-ynab" }, { "json": "https://www.anchorterminal.com/compare/hiatus-vs-ynab.json", "title": "Hiatus vs YNAB", "url": "https://www.anchorterminal.com/compare/hiatus-vs-ynab" }, { "json": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.json", "title": "PocketGuard vs Quicken Simplifi", "url": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi" }, { "json": "https://www.anchorterminal.com/compare/pocketguard-vs-ynab.json", "title": "PocketGuard vs YNAB", "url": "https://www.anchorterminal.com/compare/pocketguard-vs-ynab" }, { "json": "https://www.anchorterminal.com/compare/rocket-money-vs-ynab.json", "title": "Rocket Money vs YNAB", "url": "https://www.anchorterminal.com/compare/rocket-money-vs-ynab" }, { "json": "https://www.anchorterminal.com/compare/snoop-vs-ynab.json", "title": "Snoop vs YNAB", "url": "https://www.anchorterminal.com/compare/snoop-vs-ynab" }, { "json": "https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.json", "title": "Plum vs Quicken Simplifi", "url": "https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi" }, { "json": "https://www.anchorterminal.com/compare/plum-vs-ynab.json", "title": "Plum vs YNAB", "url": "https://www.anchorterminal.com/compare/plum-vs-ynab" } ], "scores": [ { "by": 32, "edge": "ynab", "key": "reliability", "name": "Reliability", "quicken-simplifi": 50, "weight": 16, "ynab": 82 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 77, "edge": "ynab", "key": "schema", "name": "Schema \u0026 documentation", "quicken-simplifi": 0, "weight": 13, "ynab": 77 }, { "by": 71, "edge": "ynab", "key": "ergonomics", "name": "Agent ergonomics", "quicken-simplifi": 0, "weight": 13, "ynab": 71 }, { "by": 51, "edge": "ynab", "key": "security", "name": "Security \u0026 auth", "quicken-simplifi": 0, "weight": 14, "ynab": 51 }, { "by": 20, "edge": "ynab", "key": "payments", "name": "Payments \u0026 pricing", "quicken-simplifi": 10, "weight": 10, "ynab": 30 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 4, "edge": "ynab", "key": "maintenance", "name": "Maintenance \u0026 community", "quicken-simplifi": 58, "weight": 7, "ynab": 62 }, { "by": 25, "edge": "ynab", "key": "transparency", "name": "Transparency \u0026 trust", "quicken-simplifi": 50, "weight": 7, "ynab": 75 } ], "summary": "YNAB scores 65.1 (B) on agent readiness against Quicken Simplifi's 20.7 (F), and leads in every scored category. Both do budgets.", "verdicts": { "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.", "ynab": "A public OpenAPI 3.1.1 file, a dated changelog and an OAuth read-only scope let an agent read and edit a person's own budget. Each token is limited to 200 requests an hour with no Retry-After, personal access tokens never expire and have no read-only option, and access always starts with a person signing up in a browser." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab", "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.md", "slim": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.min.md" }, "markdown": "YNAB scores 65.1 (B) on agent readiness against Quicken Simplifi's 20.7 (F), and leads in every scored category. Both do budgets.\n\n- 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\n- YNAB: grade B, 65.1/100, rank #351 of 1076. Markdown https://www.anchorterminal.com/tools/ynab.md · JSON https://www.anchorterminal.com/api/v1/tools/ynab.json\n- Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md\n- All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md\n\n## Which one, for what\n\n### Quicken Simplifi (F)\n\nGood for: US and Canadian households who want spending, bills, subscriptions and investments in one subscription app.\n\nWatch for: No public API or MCP server an outside agent can call; a staff forum reply says none is planned.\n\n### YNAB (B)\n\nGood for: An agent helping one person with their own YNAB plan, reading spending and editing categories, transactions and targets.\n\nAhead on:\n- Reliability, 82 against 50\n- Schema \u0026 documentation, 77 against 0\n- Agent ergonomics, 71 against 0\n- Security \u0026 auth, 51 against 0\n- Payments \u0026 pricing, 30 against 10\n- Transparency \u0026 trust, 75 against 50\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n- Free to start without a card\n\nWatch for: Each access token is limited to 200 requests an hour in a rolling window, and 429 responses carry no Retry-After\n\n\n## Score by category\n\n| Category | Weight | Quicken Simplifi | YNAB | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 50 | 82 | YNAB +32 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 0 | 77 | YNAB +77 |\n| Agent ergonomics | 13% (16.2 this run) | 0 | 71 | YNAB +71 |\n| Security \u0026 auth | 14% (17.5 this run) | 0 | 51 | YNAB +51 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 10 | 30 | YNAB +20 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 58 | 62 | YNAB +4 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 50 | 75 | YNAB +25 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **20.7 · F** | **65.1 · B** | |\n\n## Facts side by side\n\n| Fact | Quicken Simplifi | YNAB |\n| --- | --- | --- |\n| Kind | Platform | HTTP API |\n| Vendor | Quicken Inc. | YNAB |\n| Hosted endpoint | no (local only) | `https://api.ynab.com/v1` |\n| Transports | | HTTP |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Closed service under the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.) | Proprietary service; SDKs Apache-2.0 |\n| Tools exposed | none | 0 |\n| Read-only variant documented | no | yes |\n| llms.txt | no | no |\n| Last release | 2026-10-07 | 2026-09-17 |\n| Terms last updated | 2025-07-30 | 2026-04-09 |\n| Privacy policy last updated | no date given | 2026-04-09 |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | yes | yes |\n| Terms restrict benchmarking | not found in the text | yes |\n| Terms or service can change without notice | yes | yes |\n| Arbitration or class-action waiver | yes | yes |\n| Popularity | none | 240 stars, 9.6k npm/wk, 2.3k PyPI/wk |\n\n## Verdicts\n\n**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.\n\n**YNAB.** A public OpenAPI 3.1.1 file, a dated changelog and an OAuth read-only scope let an agent read and edit a person's own budget. Each token is limited to 200 requests an hour with no Retry-After, personal access tokens never expire and have no read-only option, and access always starts with a person signing up in a browser.\n\n## Before you call either\n\n### Quicken Simplifi\n\n1. Don't plan to call Simplifi from another agent. Hand the task to the person in the Simplifi app or web app.\n2. Don't log in on the person's behalf or scrape the web app; the terms forbid access outside Quicken's supported interfaces.\n\n### YNAB\n\n1. Use last-used in place of plan_id until you have listed plans with GET /v1/plans\n2. Store server_knowledge and send it back as last_knowledge_of_server to stay inside 200 requests an hour\n3. Read and write amounts in milliunits, or read the _currency fields added in v1.82.0\n4. Set import_id on transactions you create so a retried POST is matched instead of duplicated\n5. Request scope=read-only on OAuth when the task only reads the budget\n\n## Questions\n\n### Which is better for AI agents, Quicken Simplifi or YNAB?\n\nYNAB scores 65.1 (B) on agent readiness against Quicken Simplifi's 20.7 (F), and leads in every scored category.\n\n### Can an agent call Quicken Simplifi and YNAB without installing anything?\n\nNo hosted endpoint is listed for Quicken Simplifi. YNAB has a hosted endpoint at https://api.ynab.com/v1.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.json, and with the fewest tokens: https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"quicken-simplifi\", \"b\": \"ynab\"}`. From a terminal: `anchor compare quicken-simplifi ynab`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.json and https://www.anchorterminal.com/api/v1/tools/ynab.json\n\n## Other comparisons with Quicken Simplifi or YNAB\n\n- [Emma vs Quicken Simplifi](https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.md)\n- [Hiatus vs Quicken Simplifi](https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.md)\n- [Quicken Simplifi vs Rocket Money](https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money.md)\n- [Quicken Simplifi vs ScribeUp](https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.md)\n- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md)\n- [Copilot Money vs Quicken Simplifi](https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.md)\n- [Copilot Money vs YNAB](https://www.anchorterminal.com/compare/copilot-money-vs-ynab.md)\n- [Emma vs YNAB](https://www.anchorterminal.com/compare/emma-vs-ynab.md)\n- [Hiatus vs YNAB](https://www.anchorterminal.com/compare/hiatus-vs-ynab.md)\n- [PocketGuard vs Quicken Simplifi](https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.md)\n- [PocketGuard vs YNAB](https://www.anchorterminal.com/compare/pocketguard-vs-ynab.md)\n- [Rocket Money vs YNAB](https://www.anchorterminal.com/compare/rocket-money-vs-ynab.md)\n- [Snoop vs YNAB](https://www.anchorterminal.com/compare/snoop-vs-ynab.md)\n- [Plum vs Quicken Simplifi](https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.md)\n- [Plum vs YNAB](https://www.anchorterminal.com/compare/plum-vs-ynab.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-14", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Quicken Simplifi vs YNAB", "url": "" } ], "description": "YNAB scores 65.1 (B) to Quicken Simplifi's 20.7 (F) for budgets. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Quicken Simplifi F 20.7", "YNAB B 65.1", "scores" ], "h1": "Quicken Simplifi vs YNAB", "image": "https://www.anchorterminal.com/assets/og/compare-quicken-simplifi-vs-ynab.png", "path": "/compare/quicken-simplifi-vs-ynab", "published": "2026-10-01", "section": "tools", "title": "Quicken Simplifi vs YNAB for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-14", "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab" }, "tokens": { "markdown": 2000, "slim": 630 }, "version": 1 }