Modern simplicity. Free to start. Simplifi costs $72/year from day one. Warm starts free.
Simplifi lives up to its name with a clean interface and straightforward features. But there's no free tier to try it out. Warm offers a similar experience with a free tier to get started.
Simplifi by Quicken Pain Points
- No free tier - $72/year commitment upfront
- Owned by Quicken - uncertain long-term direction
- Limited investment tracking
- No crypto support
How Warm Helps
- Free tier with CSV import - try everything first
- 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
Free tier available - no upfront 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
Free tier with CSV import - Simplifi requires payment from day one
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
| Feature | Warm from $0 | Simplifi $72/yr |
|---|---|---|
| Pricing & Value | ||
| Free tier available
Unique
| | |
| Starts under $60/year | | |
| 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 | | |
Common Questions
Does Warm have a free tier unlike Simplifi?
Yes. Warm offers a free forever tier 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), but Warm's free tier lets you try everything with CSV import first. You only pay when you want bank sync.
Can Warm track crypto unlike Simplifi?
Yes. Warm Pro includes crypto portfolio tracking for 200+ coins with hourly price updates from CoinGecko. Simplifi does not support cryptocurrency tracking.
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