Quicken Simplifi is a modern budgeting app designed for U.S. users, featuring spending plans, cash flow projections, and investment tracking.
But for people who want more flexibility, global currency support, and a budgeting tool shaped directly by its users, Lunch Money offers a different approach.
Why it’s worth considering a Simplifi alternative
Quicken Simplifi is a solid budgeting platform, especially for U.S.-based users who want spending plans and cash flow forecasting. However, it's a closed ecosystem: there’s no public API or Canadian bank support, and billing is annual only with no free trial (just a 30-day money-back guarantee).
By contrast, Lunch Money is an independent, customer-funded budgeting platform built specifically for people who care deeply about understanding and managing their money. New features are shaped by community feedback, and users have direct access to the people building the product.
If you value flexibility, transparency, and a more personal product experience, Lunch Money is worth a closer look.
Meet Lunch Money
Lunch Money is customer-funded, not corporate-owned. Every feature, improvement, and roadmap decision comes from our public feedback board, which is shaped by the people who use our product every day.
Simplifi
⚡ Public developer API
Our public API lets you build your own automations, dashboards, and integrations, and a rich community of third-party tools already exists.
No public developer API. You're limited to the features Simplifi ships, with no way to export or automate programmatically.
⚡ Native multicurrency
Whether you're Canadian, an expat, a digital nomad, or simply manage accounts in multiple currencies, Lunch Money was built to handle it. Accounts, budgets, reports, and transactions all work seamlessly across more than 160 currencies.
Simplifi is US-only with no Canadian bank support and no native multicurrency handling.
⚡ Flexible billing options
Choose the payment schedule that works for you. Subscribe monthly or annually, starting at just $60/year or $10/month. No annual commitment required.
Simplifi requires annual billing only ($47.88–$83.88/year). No monthly payment option is available.
⚡ Price-lock guarantee
When you subscribe to Lunch Money, your price is locked in for life. The price you pay today is the price you'll continue paying as long as your subscription remains active.
Simplifi's pricing is subject to change. Promotional rates for new subscribers may not apply on renewal.
⚡ Unlimited budgets per subscription
Create a budget with your partner, a separate one for yourself, a third for your business, and a sandbox to experiment, all under one Lunch Money subscription.
Simplifi's Spaces feature supports shared access, but separate budget workspaces require separate accounts.
⚡ Track your crypto portfolio
Connect supported crypto wallets to Lunch Money and track balances in real-time alongside your bank accounts and investments in your primary currency of choice.
Simplifi tracks traditional investment accounts but doesn't support crypto wallet tracking.
⚡ Attach receipts and supporting documents
Keep receipts, invoices, warranties, and other supporting documents attached directly to your transactions. It's a small feature that makes staying organized much easier.
Simplifi doesn't support file attachments on transactions.
⚡ Budget the way you want
Lunch Money is flexible enough to support your preferred budgeting philosophy: envelope, zero-based, rolling, or just a simple monthly cap.
Simplifi centers on its Spending Plan model. Other approaches work, but the product is built around one primary workflow.
⚡ Customer support from the founder
Lunch Money users have access to an active Discord community and direct access to the people building the platform. When you send us feedback, it doesn’t disappear into a corporate support queue.
Email-based support through Quicken's support team; no public community channel.
⚡ Bulk CSV importing
Import transactions from any source by uploading CSV files or automating imports through our public API.
CSV import is supported but more limited, and there's no API for programmatic imports.
Why users love Lunch Money
Lunch Money combines powerful budgeting tools with the flexibility, transparency, and responsiveness that are often missing from larger financial apps.
It's built for people who want more control over how they manage their money—and who want a budgeting platform that evolves alongside them. Here's what our users have to say.
Multicurrency is seamless! I have business and personal accounts on both sides of the border, and Lunch Money handled them without a sweat!
Jen (founder/developer) is fantastic at responding to bug reports and feature requests quickly! Well worth the subscription.
The support, even though the entire product/company is a one-person team, is the best I've ever seen, far surpassing large multinational corporations with billions of dollars in resources.
