Quicken (Simplifi & Classic) Review
The deepest personal-finance software lineup: Simplifi for mobile budgeting, Classic for desktop power users.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.
Our verdict
Budgeters who want the lowest annual price or desktop depth get either here: Simplifi starts at $3.99 a month billed annually, and Quicken Classic adds investment tracking, tax lots and business reports. Promo pricing renews higher after the first year, and there's no free tier or trial, only a 30-day money-back window. Check the renewal price before you pay.
Skip it if you want a free tier to try first, or if you're on a Mac and want Classic at full strength.
About Quicken (Simplifi & Classic)
The deepest personal-finance software lineup: Simplifi for mobile budgeting, Classic for desktop power users. Quicken (Simplifi & Classic) is offered by Quicken Inc. Our editorial rating is 4.3 out of 5.
Best for: Budgeters who want desktop-grade depth or the lowest annual price.
Editorial grade: A- (composite score 85/100).
Highlights
- Simplifi from $3.99/mo (billed annually) is the cheapest mainstream budget tracker
- Quicken Classic adds full investment tracking, tax lots, and business/rental reports
- 30+ years of product history with local data-file option on Classic
What we like
- Simplifi undercuts Monarch ($99.99/yr) and YNAB ($109/yr) on price
- Classic's investing, capital-gains, and business depth is unmatched by app-only rivals
- Projected cash flow and watchlists in Simplifi are genuinely useful
Where it falls short
- Renewal prices jump after first-year promos
- No free tier or trial (30-day money-back instead)
- Recurring bank-sync complaints; Mac version of Classic lags Windows
Fees, minimums, and rates
Monthly fee: Simplifi from $3.99/mo (annual); Classic Starter from $4.49/mo (annual). Minimum to open: $0. Rates and fees last checked on September 7, 2026.
How we reviewed it
This is a desk review: we have not opened an account with Quicken Inc.. It is built from Quicken Inc.'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Budgeting shortlist. Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.