# Quicken Simplifi

> 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.

- Canonical: https://www.anchorterminal.com/tools/quicken-simplifi
- Markdown: https://www.anchorterminal.com/tools/quicken-simplifi.md (~5,400 tokens)
- Slim: https://www.anchorterminal.com/tools/quicken-simplifi.min.md (~1,180 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/tools/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

## Overview

**Grade F · 20.7/100 · rank #1037 of 1076 · #4 in Subscriptions, bills & personal finance · not agent-ready · not for agents · confidence medium**


## Assessment

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.

## Facts

| Field | Value |
| --- | --- |
| Vendor | Quicken Inc. (https://www.quicken.com/products/simplifi/) |
| Kind | Platform |
| Category | Subscriptions, bills & personal finance (https://www.anchorterminal.com/categories/personal-finance) |
| Auth | OAuth or key · 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 ($3.99 / mo) · 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. |
| x402 | No · No x402, MPP or L402 on the Simplifi product page, the terms or the privacy statement (checked 2026-10-14). |
| Licence | Closed service under the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.) |
| llms.txt | not found |
| Last release | 2026-10-07 |
| Surface listed | The Quicken Simplifi web and mobile apps, read from quicken.com (product page, terms of use, US privacy statement), status.quicken.com, the Simplifi community forum and the US App Store listing on 14 October 2026. No account was created. |
| Outside agent access | None. No public API or MCP server; a staff reply on the Simplifi forum says there are no plans for a public API. |
| What it tracks | Spending, bills and subscriptions, a spending plan, savings goals, investments, projected cash flow and retirement plans (https://www.quicken.com/products/simplifi/) |
| Company | Quicken Inc., 3760 Haven Avenue, Menlo Park, CA 94025 (https://www.quicken.com/privacy-us/privacy/) |
| Regions | US and Canada, with Ontario law governing Canadian residents' terms |
| Capabilities | finance.subscriptions, finance.budgets, finance.bills, finance.transactions |
| Tags | not-for-agents, hosted, official, closed-source, paid, ios, android, status-page |
| JSON | https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.json |

## Score breakdown (methodology v0.4, October 2026 research run)

Assessed 2026-10-14 from public evidence against the published checklist (https://www.anchorterminal.com/benchmark/#checklist). Confidence: medium. Performance and Task success pending (no score, not in the total); the total is Σ(score × weight) ÷ 80 over the 7 assessed categories. "This run" is each category's share of the 100 points.

| Category | Weight | This run | Score (0–100) | Points |
| --- | --- | --- | --- | --- |
| Reliability | 16% | 20 | 50 | 10.0 |
| Performance | 10% | pending | pending | n/a |
| Schema & documentation | 13% | 16.2 | 0 | 0.0 |
| Agent ergonomics | 13% | 16.2 | 0 | 0.0 |
| Security & auth | 14% | 17.5 | 0 | 0.0 |
| Payments & pricing | 10% | 12.5 | 10 | 1.2 |
| Task success | 10% | pending | pending | n/a |
| Maintenance & community | 7% | 8.8 | 58 | 5.1 |
| Transparency & trust (editorial 32, provenance 68) | 7% | 8.8 | 50 | 4.4 |
| Negative events | up to −15 | up to −15 | none recorded | 0 |
| **Total** | | | | **20.7 → F** |

### Why each score

- Reliability 50: Read with the hosted lines. Status.io page at status.quicken.com with a simplifi.quicken.com component and history (20). The history lists only planned maintenance, back to April 2018, with no unplanned incident ever recorded; nothing in the last 90 days, but a page that has never logged an outage says little, so we put it at 20 of 30 rather than 30. No limits published and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). Generally available since 2019 per the App Store (10).
- Performance: Pending. Latency is measured per call by our probes, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until the first probe window closes.
- Schema & documentation 0: Graded on the interface an outside agent can use. Simplifi has no API, MCP server or A2A endpoint for an outside agent, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). That is a statement about agent access, not about the app for people. www.quicken.com/llms.txt answered 403 (0). With no agent interface there is nothing to version (0 of 15).
- Agent ergonomics 0: Graded on the interface an outside agent can use. Simplifi has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the app for people.
- Security & auth 0: Graded on the interface an outside agent can use. With none for Simplifi, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15), whatever the app does for its owner. The security programme line doesn't need an interface and is scored. For the record, the terms require the multi-factor authentication Quicken sets. www.quicken.com/.well-known/security.txt and /security answered 403, and no disclosure policy, bug bounty or certification was found on the pages read (0 of 20).
- Payments & pricing 10: Read with the hosted rule. No x402, MPP or L402 (0). Public plan prices on the product page ($3.99 a month billed annually as a first-year offer, $6.99 regular) and in the App Store ($84.99 a year, $9.99 a month) (10). No free plan; a 30-day full refund and occasional trials per the terms aren't a free tier without a card (0). A person signs up and pays in a browser or app (0).
- Task success: Pending. Task success needs the category task suites run through each tool, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until then. A data provider's data-quality score is published on its listing now and becomes half of this category when it's scored.
- Maintenance & community 58: Read for a closed service. iOS 6.40.0 on 7 October 2026 (30). 16 iOS versions from 22 July to 7 October (20). Descriptive App Store release notes and a Simplifi community forum where staff reply, but no product changelog on quicken.com (8 of 15). No MCP server or SDK (0). No package or CI to judge (0).
- Transparency & trust 50: Closed service under dated terms naming Quicken Inc. (15). The US Privacy Statement, updated 4 September 2025, says Quicken won't sell identifying information without permission, but gives no retention periods, only "as long as it is reasonably needed" (12 of 30). No deprecation policy or dated notices found (2 of 20). Service providers by category only, with no names or regions (3 of 20).

Fix list for a coding agent, everything this grade says the listing lacks, the biggest gain first (14 items): https://www.anchorterminal.com/fixes/quicken-simplifi.md (JSON https://www.anchorterminal.com/fixes/quicken-simplifi.json)

### What we couldn't check

- Which aggregators connect Simplifi accounts; the privacy statement doesn't name them.
- unchecked: whether quicken.com publishes a security.txt; the path answered 403.
- Whether a free trial is currently offered; the terms say only that trials may be offered from time to time.

### Sources

- product page and pricing: <https://www.quicken.com/products/simplifi/> (seen 2026-10-14)
- Simplifi and LifeHub terms of use: <https://www.quicken.com/about-us/terms/simplifi-and-lifehub/> (seen 2026-10-14)
- US privacy statement: <https://www.quicken.com/privacy-us/us/> (seen 2026-10-14)
- status page history: <https://status.quicken.com/pages/history/599c93ac24308e1a05000879> (seen 2026-10-14)
- community forum, Public API request: <https://community.simplifimoney.com/discussion/683/public-api-edited> (seen 2026-10-14)
- App Store listing and version history: <https://apps.apple.com/us/app/id1449777194> (seen 2026-10-14)
- security.txt request (403): <https://www.quicken.com/.well-known/security.txt> (seen 2026-10-14)

## Who's behind it (provenance 68/100, checked 2026-10-14)

| Check | Finding | Points |
| --- | --- | --- |
| Legal entity named | Quicken Inc. | 20/20 |
| Domain age | quicken.com, registered 1995-06-13 (31 years) | 15/15 |
| Endpoint on the vendor's domain | no hosted endpoint | n/a |
| Terms of service | read, states 6 of the 7 things a reader expects, and has 2 clauses that cost points | 5.1/10 |
| Privacy policy | read, states 5 of the 8 things a reader expects | 7.8/10 |
| Status page | status.quicken.com | 10/10 |
| Changelog | not found | 0/10 |
| security.txt | could not be fetched | 0/10 |

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.

### Terms and privacy, as read

A reading by a fixed set of rules, each answered with the vendor's own sentence. Not legal advice.

**Terms of service** (https://www.quicken.com/about-us/terms/simplifi-and-lifehub/), read 2026-10-14, dated 2025-07-30, states 6 of the 7 things a reader expects.

- To know. Restricts automated access (costs points). "The following activities are all prohibited: (a) resale or transfer or commercial use of the Platform or its contents, (b) any derivative use of the Platform or its contents, or (c) any use of data mining, robots or similar data gathering and extraction tools or processes."
- To know. Says the terms or the service can change without notice (costs points). "We may change these Terms from time to time without notice."
- To know. Says access can be ended without notice or for any reason. "We try to ensure fair outcomes, but in all cases, we reserve the right to remove any content or suspend or terminate your account(s), without any refund of any amounts that may have been paid, without liability or notice to you, at any time and for any reason (except where prohibited by applicable law)."
- To know. Requires arbitration or waives class actions. "Any dispute or claim relating in any way to the products or services or any part of this agreement will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify."
- Gives the date it was last updated. Last updated 2025-07-30.
- Names the governing law or courts. The law of the Province of Ontario.
- States a limit on its liability. Capped at the fees paid in the 12 months before the claim.
- Says how changes to the terms are announced. Gives 30 days of notice before a change.
- Not found in the text. Refers to a service level or uptime commitment.
- Also in the text (2026-10-14). Outputs and data from Quicken Assist must not be used to create, train, test or enhance machine learning or AI systems. "You must not, and cannot allow others to, use any content, data, outputs, or related information derived from these features to create, train, test, or enhance any machine learning algorithms, artificial intelligence systems, or associated models."
- Also in the text (2026-10-14). Users may not build software or apps that interface with the products without Quicken's prior written approval. "You may not develop software or apps to interface with the Products and Services without our prior written approval."
- Also in the text (2026-10-14). Quicken may review and use Quicken Assist prompts and results to improve its functions, including the accuracy and performance of Quicken Assist. "Quicken may also review and use your prompts and the results generated by Quicken Assist to improve Quicken features."

**Privacy policy** (https://www.quicken.com/privacy-us/us/), read 2026-10-14, gives no date, states 5 of the 8 things a reader expects.

- To know. Says it sells personal data or shares it for advertising. "Advertising partners. Third party advertising companies that may collect information on our website through cookies and other technologies, or jointly offer products and services that we believe you might be interested in."
- Not found in the text. Gives the date it was last updated.
- Not found in the text. Says what rights people have over their data.
- Not found in the text. Says where data is transferred or stored.

## Live (updated 2026-10-14 08:53 UTC)

- Vendor status page: unknown, no machine-readable status found
- Always current: https://www.anchorterminal.com/api/v1/live/quicken-simplifi.json

## Probe metrics

Not measured yet. Our benchmark probes haven't run, so there's no availability, latency or error rate from a run and Performance is pending. Live uptime, where we poll the endpoint, is under Live and doesn't change the score.

## Prices

| Item | Price | Unit | Note |
| --- | --- | --- | --- |
| Simplifi, annual billing, first-year offer | $3.99 | per month (plan) | billed annually, regular $6.99 a month, offer to 6 November 2026 |
| Simplifi monthly subscription, App Store | $9.99 | per month (plan) | US App Store in-app purchase |

Across all listings: https://www.anchorterminal.com/prices/index.md

## 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.

## Before you call it (notes for agents)

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.

## Similar tools

Ranked by shared capabilities, then score. Same-category tools with no shared capability key are listed last.

| Tool | Grade | Score | Rank | Shared capabilities | x402 | Markdown |
| --- | --- | --- | --- | --- | --- | --- |
| Snoop | F | 26.7 | 1027 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | no | https://www.anchorterminal.com/tools/snoop.md |
| Emma | F | 17.4 | 1044 | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | no | https://www.anchorterminal.com/tools/emma.md |
| Rocket Money | F | 17 | 1046 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | no | https://www.anchorterminal.com/tools/rocket-money.md |
| Copilot Money | F | 16.3 | 1049 | finance.budgets, finance.transactions, finance.subscriptions, finance.bills | no | https://www.anchorterminal.com/tools/copilot-money.md |
| PocketGuard | F | 14.6 | 1053 | finance.budgets, finance.transactions, finance.bills, finance.subscriptions | no | https://www.anchorterminal.com/tools/pocketguard.md |
| Hiatus | F | 14.3 | 1054 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | no | https://www.anchorterminal.com/tools/hiatus.md |

## Panel reviews (0)

Reviewed by the Anchor panel (https://www.anchorterminal.com/reviewers/index.md): .

Desk reviews, written from public documentation, pricing, terms, source and status history on 1 October 2026. No calls made. For a desk review, the outcome says whether the reviewer's questions could be answered from public material: success, partial or failure. How reviews work: https://www.anchorterminal.com/reviews/how-it-works.md

## Notable

- A Simplifi forum thread asking for a public API since 2022 has a staff reply saying there are no plans to release a public API for Simplifi, and the request is still marked Active (source: <https://community.simplifimoney.com/discussion/683/public-api-edited>)
- The terms forbid accessing, searching or creating accounts by any means other than Quicken's publicly supported interfaces, naming scraping, spidering and crawling, and forbid data mining, robots or similar tools (source: <https://www.quicken.com/about-us/terms/simplifi-and-lifehub/>)
- The terms also govern Quicken Assist, the AI tools, and forbid using their outputs to train machine learning models (source: <https://www.quicken.com/about-us/terms/simplifi-and-lifehub/>)
- The iOS app (listed as Quicken: Budget & Track Money) reached 6.40.0 on 7 October 2026, with 16 versions from 22 July to 7 October (source: <https://apps.apple.com/us/app/id1449777194>)
- simplifimoney.com redirects to quicken.com/products/simplifi, and Quicken's status page at status.quicken.com has a simplifi.quicken.com component (source: <https://status.quicken.com>)

- #4 of 10 in 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

## Compare

- [Emma vs Quicken Simplifi](https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.md): F 17.4 vs F 20.7
- [Hiatus vs Quicken Simplifi](https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.md): F 14.3 vs F 20.7
- [Quicken Simplifi vs Rocket Money](https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money.md): F 20.7 vs F 17
- [Quicken Simplifi vs ScribeUp](https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.md): F 20.7 vs F 7.9
- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md): F 20.7 vs F 26.7
- [Copilot Money vs Quicken Simplifi](https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.md): F 16.3 vs F 20.7
- [PocketGuard vs Quicken Simplifi](https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.md): F 14.6 vs F 20.7
- [Quicken Simplifi vs YNAB](https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.md): F 20.7 vs B 65.1
- [Plum vs Quicken Simplifi](https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.md): F 27.4 vs F 20.7

## Verify this listing

For the vendor. The badge or a plain link to this page verifies the listing, from a page on quicken.com or one of its subdomains. It shows the listing is the vendor's and that the vendor knows it's here, and it never changes a grade, rank or review. The vendor sends the page's address to `POST https://www.anchorterminal.com/api/v1/verify` as `{"slug": "quicken-simplifi", "url": "…"}`, or calls the `verify_listing` tool at https://www.anchorterminal.com/mcp. We fetch the page once, then again every week; two failed checks in a row and the verification lapses, and a later pass restores it. What we check: https://www.anchorterminal.com/builders/index.md#verify

HTML badge:

```html
<a href="https://www.anchorterminal.com/tools/quicken-simplifi"><img src="https://www.anchorterminal.com/badges/quicken-simplifi.svg" alt="Quicken Simplifi on Anchor Terminal" height="20"></a>
```

Markdown badge, for a README:

```markdown
[![Quicken Simplifi on Anchor Terminal](https://www.anchorterminal.com/badges/quicken-simplifi.svg)](https://www.anchorterminal.com/tools/quicken-simplifi)
```

Plain link:

```html
<a href="https://www.anchorterminal.com/tools/quicken-simplifi">Quicken Simplifi on Anchor Terminal</a>
```

## Share this listing

For the vendor. Sharing assets for social media, two PNGs of 1200 × 630 that say Quicken Simplifi is listed on Anchor Terminal, with the vendor's logo and this page's address and no grade or score.

- Dark: https://www.anchorterminal.com/assets/share/quicken-simplifi-dark.png
- Light: https://www.anchorterminal.com/assets/share/quicken-simplifi-light.png
- Create a video and download its frames: https://www.anchorterminal.com/assets/listing-video/index.html?listing=quicken-simplifi