Every account, one screen
Checking, savings, credit cards, and cash in one place. No bank login required—add an account in seconds.
The budgeting app that just answers the question
Ask your money a question. Get a straight answer.
Every other finance app buries the answer under dashboards, feeds, and charts you never asked for. Simply Finance opens straight to it: how much you spent, what’s left, whether you can afford it—in plain language. It’s free to use—no account, no ads, no subscription. A one-time $4.99 unlocks the optional extras (sync across your devices and detailed reports).
Free — no account, no subscriptionOptional $4.99 · sync & reports
Works on iOS and Android—sync across your devices with your private key. No account creation required.
- ✓Free to use
- ✓iOS & Android
- ✓No signup required
- ✓No bank sync needed
- ✓End-to-end encrypted
Everything you need, and nothing you don’t.
Four screens do the whole job. Tap through to see how Simply Finance keeps money simple.
Amount, category, done. The quickest manual entry of any money app—or capture it automatically.
The rest of it
Effortless to keep up to date.
Adding money in takes seconds by hand—or nothing at all on autopilot. Every account lives on one screen, and recurring bills stay on a leash so nothing surprises you.
Capture spending automatically
Forward your bank’s transaction alerts to Simply Finance with a Shortcut and they log themselves—no bank login required.
Recurring bills with reminders
Track subscriptions and recurring bills. Get reminded before they hit. Confirm or skip with one tap.
Less, on purpose
It nudges you toward a simpler money life.
Because you add transactions yourself, you’re rewarded for keeping things lean—a couple of accounts, a card or two—instead of a sprawl of logins to reconcile. The classic advice to simplify your finances isn’t a chore here; it’s the path of least resistance. Fewer moving parts, clearer answers, less to think about.
How it compares
You should not pay monthly to track your own money.
Most budgeting apps charge $100+/year and require bank connections to work. Simply Finance is free to use—an optional one-time $4.99 adds sync and detailed reports—needs no bank sync, and keeps your data encrypted on your device. See how it compares as a YNAB alternative or as a budgeting app with no subscription.
| Simply Finance | YNAB | Monarch | Simplifi | |
|---|---|---|---|---|
| Price | Free · $4.99 extras | $14.99/mo | $14.99/mo | $3.99/mo |
| Bank connection | None | Optional | Optional | Optional |
| Works offline | ||||
| No signup needed | ||||
| End-to-end encrypted | ||||
| How long money lasts | ||||
| Future projections | Limited | Limited | ||
| Data stays on device |
Competitor pricing verified March 2026 from official sources. YNAB also offers $109/year. Quicken Simplifi is subscription-only (free trial, no free tier).
Privacy
“We don’t sell your data” is the low bar. We can’t even read it.
Every finance app promises not to sell your data—but that is a promise about behavior, and promises break in a breach, a subpoena, or an acquisition. The deeper question is whether they can read it at all. Most can: your full history sits on their servers, legible. Simply Finance can’t. It never touches your bank, never creates an account, and encrypts everything with keys only you hold.
- Encrypted with keys you hold
Every record is encrypted before it leaves your device. Sync servers only see ciphertext they cannot decrypt.
- No bank connections, ever
No Plaid, no MX, no open banking tokens. Your bank credentials never pass through a third party.
- No signup, no profile, no identity
No email, no password, no personal data collected. Open the app and start tracking. That is it.
Get the app
It’s free. The optional extras cost $4.99 once—not $100 a year.
Switch from YNAB, Monarch, or Quicken Simplifi and stop paying $100+ a year. Simply Finance is free to use; a single $4.99 unlock adds sync across your devices and detailed reports if you want them. No subscription, ever.
Simply Finance
Free to download and use—track accounts, quick-add or auto-capture spending, budget, and get plain-language answers at no cost, forever.
Freeto use
- ✓Log spending in under 3 seconds, or automatically
- ✓Monthly budgets with clear spent, remaining, and over states
- ✓Home answers—what you spent and how long your money lasts
- ✓Recurring bills with reminders and one-tap confirm
- ✓No account, no ads, no subscription—free to use