A Quicken Simplifi alternative for bonus, RSU and freelance pay (2026)
Quicken Simplifi projects your balances a year ahead from your recurring paychecks and bills. If your pay comes as a bonus, RSU vests, commission or clients, this is what each app does today.
Checked on against Quicken Simplifi’s own pricing and help pages, and reviews where those didn’t say, linked under each answer. Prices and features change; follow the links before you decide. We make RichDue, so weigh our column accordingly.
Quicken Simplifi and RichDue, side by side
| Quicken Simplifi | RichDue | |
|---|---|---|
| Price | From $6.99 a month, billed once a year, with promotions below that. A 30-day money-back guarantee; no free trial and no free plan. | Free to start, no card. Pro is $89.99 a year or $12.99 a month; your first statement import adds 14 days of Pro. |
| Bank sync | Connects to more than 14,000 financial institutions; its help doesn’t name the aggregator. Manual accounts are available, and a connected account can be switched to manual. | No bank sync today. You add screenshots or bank alerts on iPhone, statements (CSV, Excel, OFX/QFX, QIF, PDF) or a quick log; RichDue reads them, flags rows it already has and asks before saving. |
| Platforms | iPhone, Android and the web; on a Mac it runs in the browser. | Web today. The iPhone app is in testing and uses the same account. |
| Budgets | A Spending Plan: income minus bills, subscriptions and savings shows what’s left to spend. Watchlists work as smaller budgets by category, payee or tag. | A monthly limit per spending category, paced against an even month and suggested from your last three months. No envelopes. |
| Planning ahead | Projected Cash Flow projects checking, savings and credit-card balances up to a year ahead from recurring paychecks, bills, subscriptions and planned spending. | A 12-month cash-flow projection with low, base and high cases, built from salary, bonus, RSU, commission and client income, with the dates each one lands. |
| Investments | Tracks holdings and performance: portfolio value, holdings and day change. | Stocks and funds, crypto, gold, property, savings and loans: allocation and value over time. You log a buy or a sale or import your brokerage’s positions. No benchmarks or advice. |
| Privacy | Simplifi’s product page says Quicken doesn’t sell your personal data. Its terms say payment providers such as Dwolla and Stripe receive personal and financial information to process payments. | No bank credentials. iPhone screenshots are read on your device, statement files are deleted 7 days after upload, and RichDue doesn’t sell your data or share it for advertising. |
Files and cash flow in Simplifi
Transaction import takes CSV only, in the web app, with Date, Payee, Amount, Category, Tags, Notes and Check_No columns. Each set of transactions can be imported once.
Account balance history has an import of its own.
Projected Cash Flow covers checking, savings and credit-card accounts, up to twelve months out.
When your income isn’t a repeating paycheck
A projection from recurring paychecks fits a salary. A bonus paid as a percentage in March, a commission range, RSU vests with sell-to-cover or three clients on different schedules don’t repeat the same way. RichDue asks for each of those when you start, and projects twelve months with low, base and high cases.
Files come in as CSV, Excel, OFX/QFX, QIF or PDF, and on iPhone as screenshots or bank alerts. RichDue flags rows it already has and shows you everything before saving.
RichDue doesn’t connect to banks today; those files, screenshots, alerts and a quick log are how money gets in.
Who should stay with Quicken Simplifi
Stay with Simplifi if you want accounts that update through bank connections, an Android app today, or a budget built from a spending plan and watchlists. If your pay is a regular paycheck, its projected cash flow already covers the next twelve months.
Bringing your history across
Simplifi exports transactions as CSV in the web app: Transactions, the three-dot menu, then Export to CSV, for one account or several. Split transactions export only with Show split transactions on.
In RichDue, add that file on the web: it reads the columns, flags rows it already has and shows you everything before saving. Your bank’s own export works the same way; the export guides show where each bank keeps it.