SIMPL

Personal finance software you actually own. P&L, balance sheet, budgeting, net worth, 21 reports.

$199 once. No subscription. No renewal. Yours forever.

Bottom line: Every major personal finance app charges you every month — $8 to $43 — and raises prices 11.4% a year. SIMPL is $199 once. Break-even vs YNAB: 14 months. Break-even vs QuickBooks Simple Start: 6 months. After that, it's free forever.

What SIMPL Includes

P&L Statements

Real profit-and-loss reports. Monthly, quarterly, annual.

Balance Sheet

Assets minus liabilities. Know your true net worth.

Zero-Based Budgeting

Every dollar has a job. Envelope system built in.

Debt Snowball / Avalanche

Both payoff strategies, side by side.

Tax Prep

Schedule C IRS line mapping. 1099 summary. Quarterly estimates.

Receipt OCR

Snap a photo, SIMPL extracts amount, vendor, category.

Works Offline

No internet required. No vendor can shut it down.

Local-First Data

Your data stays on your device. We never see it.

21 Financial Reports

Cash flow forecast, category breakdown, net worth trend, more.

Switching From?

Coming from a subscription app? We have honest breakdowns for the major ones:

QuickBooks Alternative

$456/yr
Break-even at 6 months

FreshBooks Alternative

$516/yr
Break-even at 5 months

Wave Alternative

$192/yr
Break-even at 13 months

HoneyBook Alternative

$432/yr
Break-even at 6 months

Mint Alternative

Shut down 2024-03-23
Users forced to migrate

YNAB Alternative

$179/yr
Break-even at 14 months

EveryDollar Alternative

$215/yr
Break-even at 12 months

Built For

SIMPL for Consultants SIMPL for Freelancers SIMPL for Gig Workers SIMPL for Households SIMPL for Retirees SIMPL for Side Hustlers SIMPL for Solopreneurs SIMPL for Students SIMPL for W2 Investors SIMPL for Young Professionals

Head-to-Head Comparisons

SIMPL vs QuickBooks

$199 once vs $456/yr
Feature table, 3-year cost, verdict

SIMPL vs FreshBooks

$199 once vs $516/yr
Feature table, 3-year cost, verdict

SIMPL vs Wave

$199 once vs $192/yr
Feature table, 3-year cost, verdict

SIMPL vs HoneyBook

$199 once vs $432/yr
Feature table, 3-year cost, verdict

SIMPL vs Mint

$199 once vs shutdown
Feature table, 3-year cost, verdict

SIMPL vs YNAB

$199 once vs $179/yr
Feature table, 3-year cost, verdict

SIMPL vs EveryDollar

$199 once vs $215/yr
Feature table, 3-year cost, verdict

Own SIMPL for $199

One payment. Yours forever. 30-day money-back guarantee.

Get SIMPL — $199 See Nexa Full Suite — $279