SimpleFinances Our team is online

Find the money quietly leaking from your account.

Forgotten subscriptions, silent price hikes, fees you never agreed to. SimpleFinances finds every leak and shows you exactly what is safe to spend. Five questions, about five minutes to your first findings. No card required.

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1,000+
Users signed up
35,000+
Transactions analyzed
Bank-Level
Security via Plaid
A couple reviewing a grocery receipt at a kitchen table

Why SimpleFinances

Your money should not be a second job.

Getting a straight answer about your own money usually takes hours of work: keeping up a spreadsheet, reading generic advice, or talking to AI, which still needs you to know what to ask and only knows what you remembered to tell it. Most people never finish, and the money keeps slipping.

The audit cuts through the noise and goes straight to your statement. One file, about a minute, nothing to research and nothing to type. Your spending is sorted into the categories that bring you joy and the charges that give nothing back, so the plan is about your life, not an average household.

Nothing is guessed. Every line comes from a real transaction, and together they build a roadmap that tells you exactly what to keep, what to cut and what to do next. You keep the things you love. The hours of digging are gone.

Why is this free? Because most people have never seen all of their recurring charges on one screen, and we would rather show you than tell you. You keep the list either way.

35,000+ transactions analyzed

Features

Everything you need in a personal finance app

Designed to give you complete control over your finances

Find Every Subscription

Your accounts sync automatically and every recurring charge shows up in one list. Cancel what you don't use. Doing it by hand? Here's how to find forgotten subscriptions.

Safe to Spend

See what's actually free to spend after upcoming bills and your goals are covered.

Net Worth, One Number

Cash, investments, cards, and loans: one honest number that updates on its own. Or start with the free net worth calculator.

The App

See it in action

Real screens from the app

SimpleFinances home showing money spent in the last 30 days on the green summary band, month and week recap cards, a monthly subscriptions total, a completed Getting Started checklist, and an emergency fund progress ring

Spent this month, your week in money, and the next step to take, all there the moment you log in.

Pricing

Simple, honest pricing

One payment. Not another subscription.

Full Financial Review
$49.99 once
One payment. No subscription. Your complete financial picture.
  • A statement from each account you add. Read-only links after your first report.
  • Every charge imported and categorized for you
  • Every subscription and recurring charge, found and totaled
  • Your action plan, and the report is yours to keep
  • A file, not a login. Bank-level encryption.
  • The Freedom Finding Guarantee. If your review does not show you a charge you can cut, or it is simply not useful, reply to any email from us within 30 days and every cent comes back.
Get My Review
How SimpleFinances compares with subscription trackers and financial advisors
What you get Trackersbilled monthly SimpleFinances Advisorsbilled hourly
Reads your real statements Trackers: no SimpleFinances: yes Advisors: yes
One-time, keep the report Trackers: no SimpleFinances: yes Advisors: no
A human you can reach Trackers: no SimpleFinances: yes Advisors: yes

One payment. Yours to keep. Not another subscription.

FAQ

Common questions

Is my financial data secure?
Yes. Your data is encrypted, and your bank login never touches SimpleFinances: you connect through Plaid and can unlink anytime through your bank. Passwords are never stored in plain text, and you can delete your data whenever you choose. See our security page for details.
How does SimpleFinances connect to my bank?
We use Plaid, a trusted third-party service used by thousands of apps, to securely connect your bank accounts. SimpleFinances never sees your banking credentials. You can unlink your account at any time directly through your bank.
How much does SimpleFinances cost?
A one-time payment of $49.99 for a Full Financial Review: a statement from each account you add (read-only links after your first report), every recurring charge found and totaled, an action plan, and the report is yours to keep. Not another subscription.
Is this a subscription?
No. The Full Financial Review is one payment, not another subscription, and nothing renews from it. If you want ongoing tracking afterwards, the optional plan is a separate choice you make later, inside the app.
What banks and accounts are supported?
SimpleFinances supports thousands of financial institutions through Plaid, including checking accounts, savings accounts, and credit cards at most major US banks and credit unions.
Can I pay annually?
Yes. After your review, ongoing monitoring is available as Premium at $100/year, about 58% less than paying $19.99/month. The review itself is a single $49.99 payment with no subscription.

Ready to stop stressing about money?

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SimpleFinances (SimpleFinances.co) is a personal finance web app by founder Jonah Kubath. Not affiliated with any lender, bank, or financial-data provider.