Quicken Simplifi: Budget Smart App Negative ReviewsQuicken Inc.

Quicken Simplifi: Budget Smart Negative Reviews

4.0
4.02979 star

Total 31 Negative Reviews

Quicken Simplifi: Budget Smart App Complaints & User Negative Comments 2024

Quicken Simplifi: Budget Smart app received 31 complaints, negative comments and reviews by users. Have you ever had a bad experience using Quicken Simplifi: Budget Smart? Can you share your negative thoughts about quicken simplifi: budget smart?

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Quicken Simplifi: Budget Smart for Negative User Reviews

Not helpfulDisappointed that it didnt analyze my history and develop a spending plan/ budget. I was hoping it would analyze my past spending. So its basically a program from 20 years ago (Kiplingers finance) with extra features that arent helpful. The “spending plan” (budget) is NOT retroactive from subscription. Cant fathom why they would do that…. Update #2. The difference between bills and spending plan is confusing and hard to learn to set up. I had to use the website more at first to learn about the software features and how to set up. It is not intuitive like i had hoped and i did hope that because this is a large company with experience in this field that the software would be able to be more user friendly and do some of the heavy lifting for me. Mint was easier in my opinion. I dont see this worth the money and kinda disappointed I did buy it. Just set up a good excel sheet and manually keep track. Plenty of good templates for free..Version: 4.17.3

I want to love itI have been using this app for about a month now and I really like all of the features, design, and simplicity. It has the potential to be an all in one tool and I foresee it being useful for beginner budgeters who want to take control of their finances if it didn’t have so many connection issues like transactions taking forever to appear, causing inaccurate balances. One feature that I wish it had was an option to switch the Spending Plan from a monthly view to a biweekly or fixed period view. If I want to budget biweekly I have to hide transactions from the spending plan to try and get a clearer view. Even then, balances are not correct and I can’t use that feature to its full potential. The app only works for people who budget monthly it seems and I have a better understanding of my finances if I hand write it out every paycheck vs. using the app which is my goal..Version: 3.22.4

This would be a fantastic app if it weren’t so buggy!The design of the app is fantastic. The features are well thought out. From a design and feature point of view, it is THE BEST financial management app available. And it’s not ready for prime time. I feel like I am paying to be a beta tester. Nearly every day some issue crops up. While their help desk is responsive, I would prefer not to have to contact them! The biggest issue for me is the integration with AMEX credit cards doesn’t work. It’s constantly not updating which requires disconnecting/reconnecting them as a biller. And on the rare occasions when that is working, it incessantly asked for MFA validation. While the features of this app, eg watchlist, recurring transaction planning, refund tracking to name a few are the best available, they need to get MFA “known merchant” working like Mint has and get the bugs fixed..Version: 3.17.0

Downhill since paying! Please fix the app!!First off, I do like the layout and the general appearance of the app. Worked well right away and decided to buy a yearly subscription. This is where it started to go wrong. Bugs, Bugs and more Bugs started to appear. Spending plan has been broken for me since the start of February. Spending plan says all zeros no matter what I do. This is an important part of the app for me and I sent in a support ticket that was escalated but it’s now March and nobody can fix it. Customer service is responsive in the app but without resolution of this bug I have a hard time finding value in this app. Second, the app has become painfully slow. I mean very slow, app freezes are normal and have to resort to access on the Mac. Saving Goals often disappear, then magically come back after a week of so. I’m ready to be done with the app and will not renew next year if significant changes and bug fixes aren’t made. Can not recommend this app at all to anybody at the moment..Version: 2.11.0

Great start!This app has a lot of things to love but it still has some bugs to work out. I stopped using quicken awhile back because it was more than I really needed to manage my expenses. This app gives me everything I want from seeing my spending plan for the month, to tracking savings goals, to analyzing spending and tracking regular bills, without the extra clutter that quicken has. The bugs I’ve experienced are mainly around the savings goals. Adding or taking money out of the savings goals doesn’t always work and I’ve also seen it show an incorrect balance in the savings account summary screen on the account I added the money from. We should also be given the option to either show the savings contributions in the balance of the account summary or not. And there definitely needs to be an option to set up an automatic savings contribution to the goals that is also captured in your spending plan. The investment tracking doesn’t offer much other than adding in your investments for net worth tracking. It would be nice to see some analysis on the mix of investments and set target assets to monitor against what you actually have. Overall I’m very optimistic about Simplifi and will continue using with the hope that they work out the bugs and add the enhancements that I’ve noted..Version: 1.1.1

New user but not greatly impressedAfter my regular banking app removed their feature I’ve been unable to find a spending tracking app that fit my needs. I was really hopeful with Simplifi at first but tbh, it just seems like there are likely very simple features that it inexplicably lacks. You can only create a “rule” to rename expenditures- not income? …why? And You can make a rule that gives any expenditures with “xyz” keywords to a specific category, but then you can’t tell it to exclude or hide this category from the trend reports, spending plan, etc?? What is the purpose then?? This just seems so simple… what is the use of fancy AI that can breakdown and categorize all my spending if I’m going to have to remove every single purchase for work that gets reimbursed by my employer…? I found a blog link where people were requesting this feature and the Simplifi employee, in the thread, said that not enough users “voted” for the feature so it wouldnt be added. Sorry but that’s the dumbest thing I’ve ever heard. Do users even know you can vote for updates?.Version: 4.7.0

Could be greatThis is the 3rd finance app I’ve tried and it has all the features I think are necessary to track monthly spending. I love the planned spending,l especially, it makes it easy to prioritize things over the next few months. Transactions update pretty quickly compared to other apps and the way it shows your ‘other spending’ in colorful ’bubbles’ makes it really easy to keep track. Ir could be so great! However… there are some major setbacks that I think (hope!) can be fixed with updates. - whenever you want to create a new bill/subscription from a transaction, it gives you an error message saying there was a connectivity issue and you have ti create it manually. Same the other way around, when wanting to link a pre-created bill to a transaction. - it’s becoming a daily thing for me to delete a bill that constantly shows up with the wrong due date. I have to do this every single day, as it keeps popping up. It’s like the app goes rogue in the night and does a bunch of stuff you didn’t ask for. - there are some other small things, but those were the main ones. This app is truly the best one I found feature-wise, so I sincerely hope that the developers will fix these issues. It could be so great!.Version: 4.1.1

Has potential, buggier than mintI am a former Mint user. First a few gripes. 1) Simplifi not showing correct balances. This could be a deal killer, I need to trust an aggregator to show correct balances in all my connected accounts. It may be partly my fault, since I deleted some transactions, but after a resync the balances should be correct. 2) Monthly budget does not show nested views (categories and sub categories on same view). Mint displayed the monthly budget progress better. 3) No advanced rules (i.e. amount + payee => category) for categorizing transactions. This was not available in Mint, but Mint was free and Simplifi costs money 4) Split transactions show up in budget categories with the pre split amount. Mint showed the split out amount (much more useful) 5) Some connected accounts require sms authentication (TSP), and Simplifi has no option to suppress that from coming up every time I open the app (they could have option for manually update). There are some good things, the UI looks nicer and there seems to be more options for customizing the display and displaying reports..Version: 4.16.0

Needs workI don’t write a lot of reviews, but I feel compelled to in this case. I’ve been using Simplifi for 4 months after switching from Mint, which I used for 14 years. Don’t let the sleek photos and interface fool you. This is a very buggy app. Settings don’t work (e.g., I get a notification almost every day that my projected balance of my account is low even though I have turned off the setting and there is sufficient funds), reporting ability is limited, and widely used accounts (like Apple Card) are not supported. The app is also very slow, taking several seconds after adding any information. At this point, I’m so frustrated that I may switch back to Mint. I switched due to Wirecutter’s recommendation and thought that Quicken would have created a more sophisticated app, but I was wrong. Pros: the monthly budgeting feature is great..Version: 4.0.0

Ok but still has bugsThis app isn’t bad. It’s helped me pay attention to my spending, especially in certain areas. However, on several of my bills it will automatically “remove from report” and sometimes you can’t link it to a transaction. It’s finicky so I definitely don’t trust the amounts it says. It is also hard to tell what is a reminder bill and what is an actual bill. So I have to use a different app to keep track of the bills I need to pay. Also, the savings contributor is awful. It can’t track transactions and if you try to “contribute” after you have already moved the actual funds from you account, it will show insufficient funds and won’t let you contribute that money in the app. My bank does a save as you spend, so with every charge some money goes into my savings but the app can’t track that. A big reason I bought this app was to track my savings so it’s disappointing. Edit: the bugs caused the app to get so behind with everything that I canceled my subscription and deleted the app. It wasn’t worth all the work I would have to do each month to keep up..Version: 3.20.1

A bit early to buyLove the concept and fresh look. Obvious that a watered down version of this powers the Quicken web app. It’s frustrating that instead of really plowing these development efforts into the existing paid platform in Quicken they are launching a separate product and not even offering a subscription credit to existing quicken customers who want to switch to this. I also get these are separate products and governed by different data usage/connection agreements but it’s frustrating there isn’t better crossover for connectors between quicken and simplifi. They desperately need a data migration solution from Quicken to SImplifi or at least let us upload transactions. At least they are working on a mobile first approach rather than depending on an outdated file structure in Quicken. Still a couple of disappointing facets but I’ll keep my eyes peeled..Version: 1.1.2

Want to love, forced to hateThe idea of the app is great. I love the spending plan, goal, and report features. It’s helped me save a ton of money. But the interface is still buggy after almost a year of use, and the service routinely loses support for different banks. Simplifi is supposed to be a simple, mobile-friendly alternative to Quicken. But (a) Simplifi has lost support for two banks that I use, which requires that I input all of my transactions at those banks manually, and (b) the mobile interface is buggy, often fails to load or categorize transactions, and it sometimes just erases my spending history outright. As a result, Simplifi is neither simple nor mobile-friendly. In fact, it’s rather labor-intensive. That I still use it—despite its shortcomings—is evidence of how great the foundational idea is. But now that my banks aren’t supported, I’m spending as much time on Simplifi as I would a robust, complicated desktop app. So I might as well just migrate to YNAB or Quicken. It’s an app you want to love. But it’s also an app that tries quite hard to make you hate it..Version: 4.12.0

Not there yetI switched to Quicken from Mint a few months ago —which was a huge pain despite Quicken saying it’s easy— and I feel meh about the product. Considering you have to pay for Quicken, I am surprised that their integrations aren’t dialed in. For example, Venmo and TreasuryDirect don’t integrate properly. They show no information for those accounts but continually give error messages to get you to resolve it by entering your login info… but it never resolves. It’s been like this for several months. The app does do the basics though of tracking expenses pretty well. I don’t like the way that split transactions show total amount of the transaction instead of the amount for that category in the split. The app does the basics but leaves a lot wanting. Maybe it will get better as the product matures. I am not very happy with the product but it took so long to switch from Mint that I don’t want to switch to another platform..Version: 4.18.1

Only works well if you have very basic needsI started using this app the other year and it’s just not right for my needs. Income tracking and bill tracking is extremely basic and the interface is tough to get it to track properly. It constantly sends push alerts and emails when I really don’t care that a recurring $22 Netflix subscription was paid. Trying to calibrate it to track two peoples income and shared accounts just is not good enough. It’s a constant recategorizing exercise, takes the entire account balance on credit accounts against your income, and is just not nuanced enough for those of us that use credit options different ways. It’s also completely lost my settings, logins, and information requiring lots of time to reset in the past. I like the way the app appears and presents some information, but it’s just not good enough to be worth the money..Version: 4.2.0

IT is a good program BUT.I am fully on this program now but NOT happy with it. Mint by Intuit was AWESOME but they moved to Credit Karma and now you lost a lot of info. This program is the next best thing and now making it the #1. BUT it has its issues. Linking accounts. There are a lot of things like Apple Credit card and Mission Lane that you can not link to and track your budget. You have to do it Manually and that is not easy to do and takes more time and frustration. Even my bank account it joins all my expenses and accounts into one screen not the different accounts on their own and separate from checking. If they would get it so that most banks could connect to track then it would be a 5 star program but for me it is only a 2 1/2 star program..Version: 4.18.1

Feedback: FaceID Still Broken - Security Risk UpdateYup. I confirmed the setting are enabled on “immediately” and I have shared comments in community. Lots of others have the same issue. Thanks. Still somewhat broken. The FaceID feature when fresh launching the app is not always 100% working. Meaning, sometimes it will prompt for FaceID, and other times when you fresh launch it will still not check FaceID and take you straight into the Dashboard. I think the developers tried to fix this in the most recent version, but this security is still not 100% working and leaves the app unsecured. Please help bring this to the developers attention and fix this. Previous note: FaceID is turned on, but when the app is not open and you open it, FaceID security fails to work. Anyone can just open your app and it will not require FaceID. Please fix this..Version: 4.17.3

Poor UI, Inaccurate “under construction” reportsI figured I’d try this app since Mint is shutting down. It’s very buggy and the UI for budgeting is terrible. The budget/planning tiles take forever to search through on the UI and there’s no way to search them. I don’t want to have to scroll through 30 tiles to figure out how much I have left on transportation. I want to pull it up quickly. I also noticed that the web app chugs when you add a lot of spending categories for the month. It actually reverted my changes I had made because the screen refreshed so slowly and I could click faster than the changes could save. Reports - Head over to the net worth number on your dashboard and you may notice, like me, that it doesn’t match your net worth on the reports tab. Why? A quick search of the help points you to a net worth report feature suggested in 2020 and confirmed as still under construction by the AI help assistant. I’m guessing that means this is a feature that, after 3 years of being under construction, it still isn’t completed. I confirmed I’m not in Early Access mode either, so this isn’t encouraging to see for someone looking for a company I can trust long term to invest in its customers..Version: 4.14.0

Good concept. Really glitchy!I’ve tried lots of budgeting apps. This has been one of my favourite for the variety of features offered and it’s ability to connect directly to so many different financial institutions. My problem is that the app is extremely glitchy and the response from their support team is poor. For example, transactions that appear on my credit card randomly will not appear in the app. This occurs across multiple accounts. Income also regularly duplicates itself, requiring manual intervention. Accounts also regularly stop working, requiring reconnection. The frustration is that the fix for these issues is to disconnect and reconnect, which typically results in historical data being lost. This defeats the purpose of the app if you want to see how you’re performing over a longer period of time. This app is paid, so I expect a certain level of quality. Quicken needs to do better. Fix the core features before releasing new ones..Version: 3.26.0

Why?I’ve tried really hard to like this app. It has a lot of potential and could someday be the premier app. First, it does not try to get you open credit card accounts or sign up for investment accounts or save money on car insurance. It is focused on your finances and budgeting. They are fairly responsive and will work with you to fix issues, it may take an extended period, but they will work with you. What’s holding it back? Glad you asked. First, connectivity. Every week, sometimes multiple days you will see messages that you have to fix connections to financial institutions. It is painful. The app doesn’t fix the connections in the background. You have to sit there and take it like a champ. Second, it does not support property accounts. Simplifi’s sister company has full integration with Zillow and will show you estimates of your property value to help calculate your net worth. Not here! If there is a change in property value, you’ll have to delete and set up your account again. Third, there is no native support for iPad. It claims to work on iPad until you use landscape orientation. Watch out for the crick in the neck. 3/3/22 Took this down a star because there are no reports to see how you are doing over time. For example, the most basic of charts, net worth is missing..Version: 3.15.0

Mint Users: DON’T DO ITIf you, like me, are looking for a product to replace the Mint app, don’t be fooled by the good UI design on this app. Compare to Credit Karma (the new Mint), it’s are worse. The emails, push notifications are insanely annoying alerting you numerous times a day to typical activity. There is no graph to show net worth progress over time. For awhile one of my investment accounts was categorizing as cash. I called to cancel my account because there is no way to do it yourself, and they needed Apple to cancel my subscription on their end first. I had already turned off the auto-renewal through Apple, but we all know Apple isn’t going to answer the phone to do that. So I asked them to just turn off all communications to me in the meantime and I’ll let the year subscription run its course quietly. They said they couldn’t. Terrible app. I hope the product team at Quicken gets it together on this..Version: 5.1.1

Not a full finance AppHonestly it’s missing some of the basics and it has been out for a while. This app is great for budgeting by categories, but it goes no further. You cannot see cash flow, you cannot see a P&L report, you cannot export any of the reports (which is honestly important and needed for accountants). The cash flow is useful so you can see a quick breakout of all your expenses vs income and the net income. For the reports that are there you can’t click on it to view the data broken down at a quick glance. You’re relying that you categorized it correctly to begin with. Dashboard doesn’t let you view cash flow which is worthless. Having to push the back button multiple times to get back to the dashboard is obnoxious. No dark mode. App can only pull 4-5 months prior when syncing for the first time. Yet there is no way to import financial statements to fill in the missing months. So when you start this app you cannot see a full annual account report. Etc. If you just care to monitor your budget only you’re better off using something like spendee, wallet or that envelope app. This is not worth $40 annual. For that sum I expect a fully usable personal finance app..Version: 2.0.0

Very confusing app.What a waste of time, I was excited to download a new app from Quicken a company I used to love. In the old days it was all about simple easy accounting software but now it’s all about complicated worthless information. It seems like the app spends all its time predicting the future and not telling us the past! I want to know what I spent for tax purposes and for my knowledge not to have a machine tell me the future. So now I want to cancel and I wasted time trying to find where to cancel? How do I cancel? Someone please tell me?. Years ago, yes I’m that old when Quicken really cared about their customers they developed great simple software, sold it to us and it kept our records, now this new quicken company wants to harvest our info, sell it to marketers, predicts our future spending and keep us confused about our current numbers and recharge us every year for the same software. All I need is simple record keeping software. Why is that so difficult to produce Quicken you did it in the past?.Version: 1.7.0

Glitchy, laggy, and slowI love the service, accounting system, and website. But this app really needs general UI improvements. If I don’t swipe left or right on a transaction absolutely perfectly straight, the side menus don’t pull up right. Sometimes transactions don’t load right when I'm scrolling through and I have to scroll up and down. Loading icons seem to always be present and it takes forever to load transaction lists. Sometimes the list just jumps around randomly. Its easier to be patient with features that I use just to check in on finance numbers, but I need to properly categorize transactions with the transaction list so I spend a lot of time scrolling through and swiping things. These glitches mean that I can’t do it on my phone reasonably and I have to put it off until I’m in front of a computer. If I can’t fix transaction categorizations on the phone easily, then none of the finance numbers are up to date and there’s no point to the app even being on my phone. Please stop all work on new features until the app UI is fast and bug free. New features are pointless if I can’t quickly categorize transactions to bring the finances up to date..Version: 3.27.1

Don’t waste your moneyI’ve used this app for over a year to help simplify my budget management. I was pretty much debt free before I started using this app. Because of the inaccuracies and flaws in the app, it threw me all off my budget game. Now I’m stuck in more debt than when I started. You’ll have better success handwriting out your finances than relying on this app to record accurately. I’m now going back through to try to discover what happened; basically glitches and bugs that erased or created new rules for my set settings. Excluding or including transactions from reports when it shouldn’t have been. Not recognizing transaction categories even after setting them how I needed them. It was super frustrating to have to reset every transaction multiple times per month. If you are going to have to double and triple check every transaction and every report to ensure accuracy then what’s the point when you can just write it out or type it in excel manually? This app is not worth the headache. You will have more success handwriting your budget than with this app..Version: 4.14.0

Went downhillI have been a loyal quicken user for years (since Microsoft stopped offering their software) and switched over to this for the last couple of years. Until recently I was very happy with this financial system. Now everything is a mess. I tried to fix things via customer support recommendations and reported the issues. Nothing is working and the issues are multiplying especially pending charges from my bank account duplicating multiple times under transactions, accounts no longer syncing or when they do the information is all wrong, account projections missing transactions to be calculated. Theses issues make the service unreliable and useless for what we need. These issues have been going on for months with no resolution forecasted in the near future. I hope for the sake of the users Quicken figures out how to fix these on going issues..Version: 5.2.1

I wanted to like itAs a former Quicken, Quickbooks and Mint user .. I was looking for a simple app for my phone. Today I downloaded and added my first account (Chase, a major bank) and it downloaded transactions for the pas 90 days .. except ZERO transactions from the past 30 days were downloaded. The balances were also incorrect. I contacted support and they’ve escalated the issue .. but this was just strike #1. As I was on their chat support for 30 min trying to figure out why my most recent 30 days did not import, I started marking my business transactions as ‘remove from reports’ but when I clicked spending reports, those transactions still showed in the reports’ transaction lists (including the eyeball icon indicating it should be hidden) I was told this is intentional, but the balances do not include those transaction amounts .. but I didn’t take the time to manually confirm this is the case. This app just isn’t ready yet .. it has way too many bugs to squish. I’m disappointed that Intuit/Quicken would release such an incomplete product..Version: 2.10.0

Crappy for nowI’ve been using this app for a couple of years. It mesmerizes me they cannot get their unmentionable together. If you like to enter transactions by hand, this will be exercise in frustration. Or masochism. The latest interface overhaul should send the designer packing, but they probably got a bonus instead. The devs should be swapped too. Now there’s no popping up window where you can enter the sum right away. The font, or rather scale and the overall fill is… compact? Is that the word? Who did this atrocity I wonder? Oh, and the latest update fried the links between payees and categories apparently. Now, when I enter payee I have to enter the category again. And the list goes on and on. It’s always like that. Sometimes you can try to reinstall, relogin, etc. But honestly why bother? It feels like an app hacked by a bunch of pretty low talent people sitting in some basement and sour at the management they have to write this. Oh wait, is this an intern playground? I guessed it, right? I’m very close to looking for something else. Just hope this app can at least do import/export. I suspect there’re bugs there too..Version: 4.0.0

Very slow and unresponsiveThe app is very slow and unresponsive almost like mint. you have to wait awter each tap. seemingly endless loading spinner in the center of the screen very intrusive. no payee name autocomplete. No way to reset name of transaction to the original value AFTER you noticed some strange renaming perforned by app, for ex.: when you want to create the rule for rename but app already renamed transaction into some nonsense an obviously now it can not find any matches and can not retroactively apply just crrated renaming rule. Ineractive brokers import shows zero balance. Very limited options for custom schedule of repeating transactions: for ex. i have a course which i pay for each five lessons and i have two lessons a week. No Spending Plan widget, just useless "available to spend widget" which really sould be zero because you better plan for your spending and better don't have free money. Every dollar needs a job..Version: 3.22.4

Please make this app better!I loved this app at first but the more I use it the more frustrated I become. There are constant duplicate entries that you have to go in and manually delete. They obvs know because they have a “oops sorry” blog post abt it, but it’s not fixed months later. It doesn’t learn category rules for some repeat transactions no matter how many times you set it. The prediction for income / expenses in the month ahead is useless unless you earn the same amount every month and have no irregular anticipated income or expenses. It’s so annoying! And what’s worse is that there’s not a better app to switch to. As soon as somebody makes one, I’m outta here unless they fix this wreck. Seriously, wayyyy back in the day before Mint (the worst!) when Quicken had a free online budgeting thing that was 10X more simple, it was perfect and easy to use. Why?????.Version: 3.4.1

IssuesJust a really buggy app / service. Issues: - amounts not updating for certain accounts - trying to resolve transaction collisions between multiple accounts results in the amounts increasing and random transactions disappearing - it looks like transactions that should be a 1 to 1 relationship are being linked as a 1 to 2, so when you go to delete transactions it auto recovers the transaction in the linked accounts. - investment transactions/balances are not reflected in the amount? Really trying to make it work… No backup is concerning with how much effort it is. I am constantly exporting to csv to at least save the transactions, which i tried to import once and it failed… using your own csv format it failed (please rename postedOn column to Date) Also with how buggy importing csv is, I wish there was a preview for importing to resolve issues before committing..Version: 4.15.2

Disappointing but few alternativesI use Simplifi because it’s the only personal finance app and web app I can find that gives you a projected balance based on schedules transactions. I don’t understand why this isn’t built into every personal finance software. Instead most of them fill your screen up with useless ads and pie charts, when all I want know is am I good to go until my next paycheck. Unfortunately Simplifi is buggy and unresponsive. It also doesn’t sync reliably with USAA. Because who’s ever heard of that bank? It also likes to randomly double what I owe on my mortgage which I manually enter because of course it won’t sync with my mortgage servicer. The app occasionally just freezes. The web app is better but not by much. There is no iPad app so you’re stuck with the web version. Disappointing and I will jump ship as soon as I can find an alternative that doesn’t involve Excel..Version: 3.24.0


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