A Quicken Simplifi alternative without bank sync
Beyond Payday is for households who want the big picture and retirement without syncing accounts. If you want a spending plan fed by your transactions, Simplifi may suit you.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).
Why people switch to Beyond Payday
No bank login, ever
Type your numbers in or import a spreadsheet.
Retirement, month by month
On Pro, to age 95 with Social Security, pensions and taxes.
The whole household
Owner, spouse or partner, and kids, with per-person permissions.
Your business too
On Pro, track one or more businesses next to your household.
Beyond Payday and Simplifi at a glance
Yes (their site says so) No (their site says so) Couldn’t confirm
| Feature | Beyond Payday | Simplifi |
|---|---|---|
| Price | Free plan, or Pro at $9/mo or $90/yr | Yes, their site says so: $6.99/mo billed annually (promos vary)source: Quicken Simplifi pricing (quicken.com/simplifi), checked Oct 1, 2026 (opens in a new tab) |
| Free plan | Yes. Income, bills, net worth, goals and debt payoff | No, their site says so: Subscription requiredsource: Simplifi help: Subscription questions, checked Oct 1, 2026 (opens in a new tab) |
| Free trial | Yes. 30 days of Pro, no card needed | No, their site says so: 30-day money-back guaranteesource: Simplifi help: Subscription questions, checked Oct 1, 2026 (opens in a new tab) |
| Links bank accounts | No. By design: no bank login needed | Yes, their site says so: 14,000+ institutionssource: quicken.com/simplifi, checked Oct 1, 2026 (opens in a new tab) |
| Household sharing | Yes. Owner, spouse or partner, and kids, with per-person permissions | Yes, their site says so: One other personsource: quicken.com/simplifi, checked Oct 1, 2026 (opens in a new tab) |
| Retirement plan | Yes. On Pro: month by month to age 95 | Yes, their site says so: Projections with a retirement agesource: quicken.com/simplifi, checked Oct 1, 2026 (opens in a new tab) |
| Social Security timing | Yes. On Pro: any claiming age 62–70, spousal and survivor | Couldn’t confirm on their site |
| Debt payoff plan | Yes. Free: avalanche or snowball, with a debt-free date | Couldn’t confirm on their site |
| Business tracking | Yes. On Pro: one or more businesses | Couldn’t confirm on their site |
| AI assistant | Yes. On Pro: Beth answers from your own numbers | Yes, their site says so: Quicken Assistsource: Quicken: Simplifi AI Assist, checked Oct 1, 2026 (opens in a new tab) |
| Connects to ChatGPT & Claude | Yes. Connect either one to your own data | Couldn’t confirm on their site |
| Data export | Yes. Every plan: a .zip of JSON and CSV files | Yes, their site says so: CSVsource: Simplifi help: Exporting transactions, checked Oct 1, 2026 (opens in a new tab) |
| Tracks transactions | No. By design: no transaction busywork | Yes, their site says so: Yes, auto-categorizedsource: quicken.com/simplifi, checked Oct 1, 2026 (opens in a new tab) |
| Platforms | iPhone, Android and Windows apps, plus a web app you can install on any phone or computer | Yes, their site says so: Web and mobilesource: quicken.com/simplifi, checked Oct 1, 2026 (opens in a new tab) |
| Spending plan that adjusts as you spend | No. By design: what’s left from recurring bills | Yes, their site says so: Yessource: quicken.com/simplifi, checked Oct 1, 2026 (opens in a new tab) |
Based on each company’s own website, checked Oct 1, 2026. A – means we couldn’t confirm it on their site; features change, so check with them. Beyond Payday isn’t affiliated with Simplifi.
Something wrong or missing? Let us know and we’ll review it and update this page.
Beyond Payday is a great fit if…
- You want Social Security and pensions in your plan.
- You want to plan without syncing accounts.
- You want your partner and kids in, each with their own permissions.
Might not be for you if…
- You want transactions pulled in and categorized for you.Source: quicken.com/simplifi (opens in a new tab), verified Oct 1, 2026
- You live in Canada. Beyond Payday is US-only.Source: quicken.com/simplifi (opens in a new tab), verified Oct 1, 2026
How switching works
Import or type in your bills, assets and debts
CSV, TSV or XLSX files work. Transactions don’t carry over — Beyond Payday doesn’t track them. How import works
Add your income
Type it in, or scan a paystub photo and review what it fills in (3 scans on Free, unlimited on Pro).
Leave any time with your data
Export everything as a .zip of JSON and CSV files, on every plan.
Questions
- Does Beyond Payday link to my bank?
- No. It never asks for a bank login. You type your numbers in or import them from a spreadsheet, and you keep them current.
- Can my partner and kids use it too?
- Yes. One account covers the household: an owner, a spouse or partner, and children, with per-feature permissions for each person. One subscription covers everyone.
- Is there a free plan?
- Yes. The Free plan covers the dashboard, income, bills, assets, debts, net worth, goals, the Scenario Tester, import and export. Pro adds retirement planning, business tracking and Beth, the AI assistant. New accounts start with a 30-day Pro trial with no card needed, and keep the Free plan afterward unless they subscribe.
- Can I use it outside the US?
- No. Beyond Payday is built for US households only: amounts are in US dollars, and taxes and Social Security rules are US-only.
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- Beyond Payday vs Copilot Money
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- Beyond Payday vs Empower
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- Beyond Payday vs ProjectionLab
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- Beyond Payday vs Boldin
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- Beyond Payday vs Tiller
For spreadsheet people who would rather use an app, and still import and export spreadsheet files.
Facts verified Oct 1, 2026 from each company’s own website (or an archived copy of it); features change — check the provider for current details.
Current details from each provider: quicken.com/simplifi (opens in a new tab).
Quicken Simplifi, Quicken and Simplifi are trademarks of their respective owners. Beyond Payday has no affiliation with or endorsement from them.
Beyond Payday is a planning tool, not a financial advisor. Its figures are estimates based on what you enter, not guarantees.
Plan your household’s money without connecting accounts
Income, bills, what is left each month, net worth and, on Pro, retirement. No bank login.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo). After 30 days you keep the Free plan — no charge, no card.