YNAB vs Simplifi by Quicken
Personal Finance & Budgeting pricing comparison · 2026
YNAB pricing ranges from $9.08–$14.99/month, while Simplifi by Quicken ranges from $3.99–$6.99/month. These products use different pricing models (Per-seat subscription vs ), so a direct price comparison isn't meaningful — costs depend on usage volume and mix.
Verdict · list-price math · year 1
Simplifi
saves
$2.4K
vs
YNAB
· 25 seats
Cheapest
$2.1K
Spread
53%
Estimated license cost
at 25 seats
List price × seats. Click a tier below to lock it.
Monthly
$4.5K/yr
year 1 license · $15/seat
Monthly
$2.1K/yr
year 1 license · $7/seat
REF · 01
Sources & confidence
Every dollar amount and contract clause below traces back to a sourced fact. We don't manufacture composite scores.
Where this data comes from
Vendr · TrustRadius · Reddit · BBB · official docs
Sources
17 sourced facts
14 hidden-cost · 2 contract · 1 review platform
Last verified
2w ago
Confidence
Medium confidence
Sources
4 sourced facts
3 hidden-cost · 1 contract
Last verified
2mo ago
Confidence
Medium confidence
REF · 02
Plans at a glance
Every tier per product. Lock one to drive the cost row above and reveal a tier-specific outbound CTA.
Tier ladder
Click a tier to lock the cost row to it. Locking surfaces a tier-specific Visit CTA.
REF · 04
Contract terms
The fine print, surfaced. Green = buyer-friendly. Each clause backed by a quoted source.
YNAB
Simplifi
Auto-renewal
Yes
Yes
Cancellation
—
30-day money-back satisfaction guarantee from the original purchase date or the date of subscription auto-renewal
Commitment
✓
1 month (Monthly plan) or 1 year (Annual plan)
annual commitment
Price escalation
YNAB has raised prices multiple times: from approximately $45/year to $84/year (2017), then to $99/year (2021), now $109/year (current). CEO acknowledged in 2021 AMA that the 4-year gap between increases was 'too long' and implied future increases will come sooner. No published schedule.
100% at renewal (for introductory rates)
Can downgrade
✓
Yes
—
REF · 05
What users say
Aggregated, with sample sizes. We use whichever review platform has data.
User reviews
TrustRadius · Trustpilot · G2
Decide
Get a quote from each vendor
Each link opens the vendor's pricing page in a new tab.
License cost is computed from publicly listed plans (real math, list price × seats).
Median annual cost is from Vendr's deal flow when available — see source badges.
Hidden costs and contract terms each cite their own sources. We do not invent composite scores.
VS
Plan-by-Plan Pricing
| Plan | YNAB | Simplifi by Quicken |
|---|---|---|
| Annual | Custom | $3.99 /month |
| Monthly | $14.99 /month | $6.99 /month |
Contract Terms
| Term | YNAB | Simplifi by Quicken |
|---|---|---|
| Auto-renewal | Yes | Yes |
| Cancellation | — | 30-day money-back satisfaction guarantee from the original purchase date or the date of subscription auto-renewal |
| Minimum commitment | 1 month (Monthly plan) or 1 year (Annual plan) | annual commitment |
| Price escalation | YNAB has raised prices multiple times: from approximately $45/year to $84/year (2017), then to $99/year (2021), now $109/year (current). CEO acknowledged in 2021 AMA that the 4-year gap between increases was 'too long' and implied future increases will come sooner. No published schedule. | 100% at renewal (for introductory rates) |
| Can downgrade | Yes | — |