Quicken Simplifi is $3.99 a month promo-priced from $5.99, with bank-sync from the Quicken team. Cash Compass is the no-bank-login alternative on iOS.
Apple-native · No bank logins · iCloud sync
Quicken Simplifi advertises $3.99 a month, which is $47.88 a year, but that price often comes from a first-year discount off a $71.88 list. Cash Compass Premium is a flat $29.99 a year with no renewal hike, and the free tier covers manual entry and basic charts indefinitely. If you specifically want predictable annual cost, Cash Compass keeps the math simple.
Simplifi's auto-sync flow is review-categorize-confirm for every transaction the bank pulls in. Cash Compass flips the direction: you log entries by voice or receipt at the moment, and the data lives in your iCloud. Both take a few seconds per transaction, but voice entry tends to stick because it happens at the point of spending, not a weekly review you might skip.
Simplifi has iOS and a web app, with a Mac experience that relies on the web view. Cash Compass runs natively on iPhone, iPad, and Mac through Apple Silicon, with the same data flowing through your iCloud account. Apple Family Sharing for 5 people is included in the $29.99 annual price. If your whole household is on Apple devices, the setup is cleaner.
Voice, photo of a receipt, or 3-tap manual entry — every method takes under 5 seconds.
Cash Compass picks the category automatically. Override once and it learns your pattern.
Weekly chart shows where money went. Adjust caps before the month is over, not after.
No, only the brand is shared. Quicken Simplifi is a cloud-based mobile app launched in 2020, owned by the same company as the legacy Quicken desktop product but built from scratch as a simpler, mobile-first tool. The desktop Quicken (still sold as a separate subscription) is closer to a small-business finance tool with check printing, deeper investment tracking, and tax-prep features. Simplifi is closer to Mint in spirit: bank-sync, category tracking, and basic goal planning. If you're an old desktop Quicken user looking for a modern replacement, Simplifi is the official path. If you never used the desktop product, evaluate it as you would Monarch or Copilot.
Partially. Simplifi exports transactions as CSV from its web app. Cash Compass doesn't auto-import Simplifi files yet, but you can use the export to identify the categories you actively used (usually 8 to 12) and rebuild them in Cash Compass in a few minutes. Most users who switch find that the bank-synced history in Simplifi is more granular than they need going forward, and a clean start from the current month is faster than trying to migrate a year of imported data. Keep the Simplifi CSV archived for tax records. The mental model is similar enough that the transition is less jarring than moving from an envelope app.
Smaller data surface, yes. Simplifi uses bank-aggregation providers to pull your transactions, which means your bank credentials or read-only tokens flow through external systems in addition to Simplifi's own. Cash Compass has no bank connection of any kind. Your entries live in your private iCloud container, encrypted by Apple, not on our servers. We have no individual-user analytics, no advertising network, no third-party trackers in the app. Both apps have reasonable privacy policies; Cash Compass's design choice is to skip the bank-aggregator chain entirely. The trade-off is that you log entries by voice or tap rather than reviewing auto-imports.
Partially. Simplifi's strength is a unified view of upcoming bills, projected balances, and savings goals against your real bank balance. Cash Compass shows category caps, recent transactions, and monthly income vs expenses, but it doesn't project a future bank balance because it doesn't see your bank. You can track savings goals in Cash Compass by adding a savings category and logging deposits to it, and you can track bills by giving them their own category. If you specifically need the auto-projected future balance feature, Simplifi or Monarch fits better. If category caps and clear monthly trends are enough, Cash Compass covers that core need without the subscription cost.
Built native for iPhone, iPad, and Mac with iCloud sync. Works offline.
No bank logins, no Plaid, no data sales. All data lives in your iCloud.
Manual entry, charts, category tracking — all free, forever. Premium is optional.
Install Cash Compass, set monthly category caps, and log by voice. $29.99 a year flat, with Apple Family Sharing for 5 included.
Download Cash Compass on the App Store