# SimpleFinances

> SimpleFinances is a personal finance web app that automatically categorizes your transactions, surfaces recurring charges and subscriptions, and shows a spending review, a financial health score, a net-worth timeline, and a cash-flow calendar — so you can see where your money actually goes.

SimpleFinances connects to your bank through Plaid with a read-only link (it can see transactions but never move, send, or withdraw money), or you can add accounts and transactions manually. It runs in any web browser with nothing to download. Pricing is flat and predictable, and there is no free trial on any plan. Founded by Jonah Kubath.

## Pricing

- Premium — $19.99/month or $100/year (about $8.33/month, roughly 58% cheaper than paying monthly). Unlimited account syncing, net-worth tracking, spending by category, budgets, debt tracking & payoff, bill & balance alerts, recurring & subscription tracking, Safe-to-Spend, cash-flow forecast, full account analysis, tax-ready reports & CSV export, weekly recap & emergency-fund roadmap, and Avalanche vs Snowball debt strategies.
- Full Financial Review — one-time $49.99. One payment, no subscription: a complete financial review plus 7 days of full Premium access, and the report is yours to keep.
- No free trial on any plan.

## Main pages

- [Home](https://www.simplefinances.co/): What SimpleFinances is and how it works.
- [About](https://www.simplefinances.co/about): Why SimpleFinances exists and who builds it — solo founder Jonah Kubath.
- [Pricing & upgrade](https://www.simplefinances.co/upgrade): Upgrade to Premium (in-app checkout).
- [Security](https://www.simplefinances.co/security/): How data is protected — read-only Plaid connections and bank-level encryption.

## Guides & comparisons

- [Subscription tracker](https://www.simplefinances.co/subscription-tracker/): Finds every recurring charge from your transactions and shows what each costs per year.
- [Expense tracker](https://www.simplefinances.co/expense-tracker/): Automatic spending tracking — every transaction categorized without manual logging.
- [Find forgotten subscriptions](https://www.simplefinances.co/guides/find-forgotten-subscriptions/): Step-by-step guide to auditing subscriptions across bank statements, the App Store, Google Play, PayPal, and Amazon.
- [Budgeting tips](https://www.simplefinances.co/guides/budgeting-tips/): 15 concrete, dollar-figure ways to save money each month.
- [Best Mint alternative](https://www.simplefinances.co/vs/mint/): What replaced Mint after its 2024 shutdown, compared honestly.
- [SimpleFinances vs Rocket Money](https://www.simplefinances.co/vs/rocket-money/): An honest head-to-head comparison.
- [SimpleFinances vs YNAB](https://www.simplefinances.co/vs/ynab/): Automatic visibility vs YNAB's hands-on zero-based budgeting, compared honestly.
- [How much of my paycheck should I save](https://www.simplefinances.co/guides/first-paycheck/): The honest savings-rate answer — the 20% rule, gross vs net, and what to do when 20% is out of reach.
- [Average savings by age](https://www.simplefinances.co/guides/am-i-behind-financially/): Federal Reserve SCF benchmarks by age, the by-30 guideline, and why trajectory beats the average.
- [No spend challenge & No Buy 2026](https://www.simplefinances.co/guides/no-spend-challenge/): Rules template, week/month/quarter durations plus the year-long no-buy list, failure modes, and what to do with what you learn.
- [Envelope budgeting (cash stuffing)](https://www.simplefinances.co/guides/cash-stuffing/): How the envelope method works, cash vs digital envelopes, and setting amounts from real spending.
- [Moving to the UK from the US: the money guide](https://www.simplefinances.co/guides/moving-to-the-uk-finances/): 2026 visa and NHS surcharge costs, UK bills Americans don't expect, US accounts/credit/taxes — by an American who made the move.
- [Can I keep my US bank account if I move abroad?](https://www.simplefinances.co/guides/keep-us-bank-account-abroad/): Bank vs brokerage policies (Fidelity, Vanguard, Schwab), why one US account and card should survive the move, and the FBAR threshold.
- [Building credit in the UK as an American](https://www.simplefinances.co/guides/build-credit-uk-american/): The rebuild sequence, the Amex Global Card Transfer shortcut, and the England-vs-Scotland electoral-roll nuance.

## Tools

- [50/30/20 calculator](https://www.simplefinances.co/tools/50-30-20-calculator/): Free interactive calculator — enter monthly after-tax income, see the needs/wants/savings split, adjust the ratios.