Quicken Simplifi: Budget Smart

Bought a year subscription, because this app is supposed to be awesome. Right off the bat, only my checking accounts will link. All of my credit and auto accounts just give unspecified errors. I decided to skip those and push forward to set up the app, and now I’ve been stuck on “Working our magic!” for about an hour. A few API calls and an algorithm that analyzes transactions shouldn’t take more than a few seconds in a worst case scenario. Also received an automated email from the team lead with first steps, but it is formatted with white text on a white background, so I had to copy and paste it into the notes app to even read it. At this point, if it ever finishes “working magic”, I fully expect nothing to function. Take my advice, never buy promoted software that doesn’t have a free trial. Update: Finally got into the app, and it can’t even figure out that transactions with the exact same name and amount are recurring, so it keeps asking to add identical recurring transactions while saying I’m missing payments on the exact transaction. Absolutely DO NOT purchase this software. It does not work, and is absolutely a scam. At MOST, all this software is capable of doing is showing you your transactions. Everything else is 100% incorrect. Odds are high that your banking app can already show you transactions, making this app functionally pointless and useless. Account linking is broken for 99% of the things I’ve tried, so it isn’t even great at aggregating transactions across accounts. As a software engineer myself, I find it absolutely disgusting that a company would try to sell this and rip off millions of people looking for a solution to managing their finances. This company should be sued for fraud. Update: This app no longer even displays something as simple as my balance correctly. They take my balance and remove the pending transactions, but my bank already does that. So it shows my balance with 2x the pending transactions removed. This application literally gets worse by the day. Update: Still no fix to the double pending transaction removal. It appears as though development has been abandoned.

Double and missing transactions, I was trying this one out because Monarch was missing transactions. This one is not any better. Truthfully Mint was the only one that I minimal problems with, hate that it went away.

No way to see the app. No limited trial - just a big subscription window. No thanks.

If I could give it zero stars I would. Not sure where it gets the info from because I can have a thousand dollars in my account and it will tell me by balance is negative with no transactions outstanding. I have had to disconnect and reconnect to my bank accounts at least once a month since I purchased. There are free apps out there that you can use that are less frustrating or time consuming. I had used Quicken for years on my desktop so when that finally died I was happy to move to the online version. Total trash!

This tracks all my spending and syncs with all (or most) of my accounts. I can run reports. I can categorize and customize and even split all the expenses. I don’t use it for net worth tracking because I don’t want to see those gains and fees in my transactions. But it’s so helpful to see your credit card payments coming up and your paychecks and any regular bills/subscriptions coming up in a timeline. It’s very helpful. There is a budgeting part to go with it but I haven’t gotten into it yet. I need to track my expenses long enough to actually set a realistic budget. Oh and it was cheaper than all the other popular budget apps.

Won’t let you try the app without paying for a year upfront won’t even let you in to see anything without paying

I was able to add my Apple Card sometime ago but now it doesn’t show up in my accounts. What happened?

The app doesn’t work and isn’t loading transactions for the last 5 days. Customer service was the worst and offered no help other than to upload screenshots of all my bank account, balances and transactions. I offered the transactions as proof of missing transactions but they wouldn’t look into the issue or cared at all unless having the bank account and balances. So shady and scam sounding. I’m not giving that info to a random person. They wouldn’t look into the issue or do anything to troubleshoot the issue. Even knowing there is clearly an issue with their app. No one should be giving out bank account info and balances for you to check into your connections with the bank institution and fix your app connections. It’s broken and not working rendering app useless and you have ridiculous people on the chat (Coach Dulce) asking for bank accounts and balances and doing nothing to move the ticket forward. They should be fired!!!!!!!!!!!!!

What I love: it links to your bank accounts and auto sorts transactions into categories. The u.i. is very nice. Setting up budgets is simple and straight forward. Lots of controls and features, like setting goals etc. Great price. It's the best priced app of it's kind that I could find. I do recommend.

- keeps telling me I need to reconnect to my Sofi account - sometimes when you click on a planned expense category it will say you’ve spent “$NaN.undefined” for this month. Sloppy - still need to reconnect via 2fa to my Venmo every time