# Simplifi Alternative | Warm - Calmer Budgeting for Less

> Looking for a Simplifi alternative? Warm offers modern design with clear Plus and Pro pricing. Similar price, calmer experience.

Source: https://warm.io/compare/simplifi

Comparison

# Modern simplicity. Clear pricing.

Simplifi costs $72/year from day one. Warm keeps Plus and Pro straightforward.

Simplifi lives up to its name with a clean interface and straightforward features. But there's no easy way to ease in before paying. Warm offers a similar experience with manual imports first and paid plans when you want bank sync or AI.

[Get Started Today](https://warm.io/waitlist) [Compare All Apps](https://warm.io/compare.md)

## Simplifi by Quicken Pain Points

-   $72/year commitment upfront
-   Owned by Quicken - uncertain long-term direction
-   Limited investment tracking
-   No crypto support

## How Warm Helps

-   CSV import for historical data before you add bank sync
-   Independent team focused solely on Warm
-   Investment account balance tracking included
-   Crypto tracking built in

## Why Choose Warm Over Simplifi

Key advantages that make the difference

Lower-friction start than an annual commitment

Same Plus price ($71.88/year) with more flexibility

Crypto and investment balance tracking (Pro)

Merchant-level budgets for granular control (Pro)

## What Makes Warm Different

A calmer approach to personal finance

CSV import and manual tracking on Plus or Pro

Crypto tracking for 200+ coins with real-time prices (Pro)

Financial health score shows overall wellness (all plans)

Spending anomaly alerts detect unusual charges (all plans)

## Warm is Best For People Who...

Honest assessment: is Warm right for you?

People who want to try before committing financially

Users interested in crypto portfolio tracking

Those who prefer independent, focused apps

Anyone seeking investment tracking without complexity

## Feature Comparison

Warm plan availability is sourced from our current feature reference.

Competitor details are based on publicly available product and pricing information and may change over time.

Warm leads in 9+ features

| Feature | Warmfrom $0 | Simplifi $72/yr |
| --- | --- | --- |
| Pricing & Value |
| Lower-friction starting point Unique |
| Flexible path into the product |
| No account limits |
| Transparent pricing |
| Platform Availability |
| iOS app |
| Android app |
| Web app |
| Account Management |
| Bank sync via Plaid |
| CSV & OFX import |
| Manual transactions |
| Auto-categorization |
| Smart transaction tags |
| Budgeting |
| Category budgets |
| Merchant-level budgets Unique |
| Savings goals |
| Goal account linking |
| Bills & Subscriptions |
| Recurring detection |
| Bill calendar |
| Bill reminders |
| Cancel link library Unique |
| Wealth & Assets |
| Net worth tracking |
| Investment tracking |
| Crypto tracking |
| Manual asset tracking |
| Analytics & Insights |
| Spending by category |
| Spending by merchant |
| Cash flow analysis |
| Financial health score Unique |
| Spending anomaly alerts Unique |
| Advanced Features |
| Transaction enrichment |
| Cash flow forecasting |
| Household sharing |
| Reports & export |
| AI financial assistant |

Included

Plus ($5.99/mo)

Pro ($24.99/mo)

Not available

## Common Questions

### How can I move from Simplifi to Warm?

Choose Plus or Pro, then bring over your history with CSV/OFX import, manual transactions, spending anomaly alerts, and a financial health score. Simplifi requires a $72/year commitment from day one.

### How does Warm pricing compare to Simplifi?

Warm Plus ($5.99/mo, $71.88/year) is essentially the same price as Simplifi ($72/year), while Pro adds unlimited accounts, AI, and advanced workflows.

### Can Warm track crypto unlike Simplifi?

Yes. Warm Pro includes crypto portfolio tracking for 200+ coins with hourly price updates from CoinGecko. Competitor crypto support can change over time, so verify their latest feature list for current coverage.

### Does Warm track investments like Simplifi?

Yes. Warm Pro includes investment tracking with holdings, balances, and gain/loss percentages. Warm uses the same Plaid integration for investment accounts that Simplifi uses.

### Is Warm more stable long-term than Simplifi?

Simplifi is owned by Quicken, which has changed ownership multiple times. Warm is built by an independent team focused solely on this product. While we can't predict the future, our sustainable subscription model is designed for longevity.

## Ready to feel calm about money?

See why users are switching from Simplifi by Quicken.

[Get Early Access](https://warm.io/waitlist)

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