The five year number
Five years of Quicken Simplifi comes to $323.40, being the first year at $35.88 then four years at $71.88. Figures assume the standard rate does not rise after the promotional first year. Quicken's own footnotes say all offers are for the first year only. Verified 21 July 2026.
Year by year
| Time held | Quicken Simplifi | Delphina |
|---|---|---|
| After 1 year | Quicken Simplifi$35.88, being $2.99 a month billed annually at the first-year rate | Delphina£119.88 |
| After 3 years | Quicken Simplifi$179.64, being the first year at $35.88 then two years at $71.88 | Delphina£359.64 |
| After 5 years | Quicken Simplifi$323.40, being the first year at $35.88 then four years at $71.88 | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Figures assume the standard rate does not rise after the promotional first year. Quicken's own footnotes say all offers are for the first year only.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: The discount is first year only, and Quicken states the subscription renews at the then-current rate
- Hidden cost: No monthly option, so every renewal is a full year up front
- Hidden cost: FX fees at every renewal, because billing is in US dollars
- Hidden cost: There is no free trial, so the only way to try it is to buy it and rely on the refund window
Figures based on Quicken Simplifi’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For us users who want quicken's reliability without the weight of the desktop product, that is a fair price. Cheap for the category at $2.99 a month billed annually in the first year. Backed by Quicken, which has been doing personal finance software for decades.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see Quicken Simplifi pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
Simplifi is cheaper than us and Quicken is a safer pair of hands than most startups in this category. It is a US budgeting app, so it answers where the money went rather than whether your UK pension and ISA plan actually works.
More on Quicken Simplifi
Quicken Simplifi: common questions
It is worth it for us users who want quicken's reliability without the weight of the desktop product. It is a poor buy for anyone who needs no free trial at all: you pay first and rely on the 30-day refund window, because that is not what it is built to do.
4 things are not on the pricing page: the discount is first year only, and quicken states the subscription renews at the then-current rate; no monthly option, so every renewal is a full year up front; fx fees at every renewal, because billing is in us dollars; there is no free trial, so the only way to try it is to buy it and rely on the refund window.
Quicken bills in US dollars, so a UK card pays an FX fee at every renewal. Any pound figure is an approximation at the exchange rate on the day, and that rate moves, so treat it as a guide rather than a fixed price.
Quicken's Simplifi help centre states there is no trial period. Instead there is a 30-day money-back guarantee from the original purchase date, claimed through a refund request form, and you can cancel at any time. Past 30 days, refunds are not available, so treat the first month as the window in which to decide.
$2.99 a month instead of $5.99, so $35.88 instead of $71.88 in year one, via promo billing. First year only, billed annually. Quicken states the subscription then renews at the then-current rate..
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.