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  • Strategist
  • Spender
  • Saver
  • Scrambler

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Priceless Tay
Find My Money Type

Investing comparison

Bloom vs Simplifi

Updated

Bloom logoBloomInvesting app
SimplifiBudgeting app

Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Short answer

Bloom is an investing app and Simplifi is a budgeting app. Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year, while Quicken Simplifi lists $6.99 a month, billed annually. We checked both on Oct 24, 2026, and the official sources differ on 3 of the 9 rows in the table below.

Bloom vs Simplifi at a glance

Bloom is an investing app and Simplifi is a budgeting app. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 3 of the 9 rows in the table below.

Price and fees

Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year. Quicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 22, 2026 see a first-year offer of $3.99 a month, billed annually. We checked both on Oct 24, 2026.

Opening and balance minimums

Bloom has no minimum account balance, but deposits and stock orders must be at least $1. We haven't verified this for Simplifi yet, so check the official site for Simplifi before you decide. We checked Bloom on Oct 24, 2026.

Protection

Bloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash. We haven't verified this for Simplifi yet, so check the official site for Simplifi before you decide. We checked Bloom on Oct 24, 2026.

Platforms

Bloom lists iOS and Android. Quicken Simplifi lists Web and Mobile. We checked both on Oct 24, 2026.

Bank syncing

Quicken says Simplifi connects to over 14,000 financial institutions. We haven't verified this for Bloom yet, so check the official site for Bloom before you decide. We checked Simplifi on Oct 24, 2026.

Features

Bloom lists AI features, which the sources we checked don't confirm for Simplifi. Simplifi lists goals and investment tracking, which the sources we checked don't confirm for Bloom. We checked both on Oct 24, 2026.

App store rating

Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. We haven't verified this for Simplifi yet, so check the official site for Simplifi before you decide. We checked Bloom on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.

Bloom and Quicken Simplifi, side by side

Rows marked “Differs” are where the two official sources say different things, and 3 rows do here.

Swipe the table sideways to see both apps.

Bloom compared with Quicken Simplifi. Each cell shows the date it was checked and links to its source.
FieldBloom logoBloomInvesting appBloom is a subscription app for learning to invest, with lessons, games and an investing account for adults and teens.Visit Bloom's siteQuicken SimplifiBudgeting appQuicken Simplifi is a paid web and mobile app that builds a spending plan from your income, bills and subscriptions.Visit Quicken Simplifi's site
Price and feesDiffersBloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.As of Oct 24, 2026. Source: bloomapp.com/faqQuicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 22, 2026 see a first-year offer of $3.99 a month, billed annually.As of Oct 24, 2026. Source: quicken.com/products/simplifi
Free trialNot verified yet.Not verified yet.
APY or rateNot verified yet.Not verified yet.
Opening and balance minimumsBloom has no minimum account balance, but deposits and stock orders must be at least $1.As of Oct 24, 2026. Source: bloomapp.com/faqNot verified yet.
ProtectionBloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash.As of Oct 24, 2026. Source: sipc.org/for-investors/what-sipc-protectsNot verified yet.
PlatformsDiffersBloom lists iOS and Android.As of Oct 24, 2026. Source: bloomapp.comQuicken Simplifi lists Web and Mobile.As of Oct 24, 2026. Source: quicken.com/products/simplifi
Bank syncingNot verified yet.Yes. Quicken says Simplifi connects to over 14,000 financial institutions.As of Oct 24, 2026. Source: quicken.com/products/simplifi
FeaturesDiffers
  • Yes: AI features
As of Oct 24, 2026. Source: bloomapp.com
  • Yes: Goals
  • Yes: Investment tracking
As of Oct 24, 2026. Source: quicken.com/products/simplifi
App store ratingBloom has 4.8 out of 5 on the App Store from 46,596 ratings.As of Oct 24, 2026. Source: App Store listingNot verified yet.

App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. Spotted a change? Tell us if something changed.

What the apps look like

Bloom

  • Bloom App Store screenshot 1 of 4, as of Oct 24, 2026
  • Bloom App Store screenshot 2 of 4, as of Oct 24, 2026
  • Bloom App Store screenshot 3 of 4, as of Oct 24, 2026
  • Bloom App Store screenshot 4 of 4, as of Oct 24, 2026
Screenshots: Bloom on the App Store, as of Oct 24, 2026.

Quicken Simplifi

  • Quicken Simplifi App Store screenshot 1 of 4, as of Oct 24, 2026
  • Quicken Simplifi App Store screenshot 2 of 4, as of Oct 24, 2026
  • Quicken Simplifi App Store screenshot 3 of 4, as of Oct 24, 2026
  • Quicken Simplifi App Store screenshot 4 of 4, as of Oct 24, 2026
Screenshots: Quicken Simplifi on the App Store, as of Oct 24, 2026. Quicken's Simplifi page links to this App Store listing, which is now named Quicken: Budget & Track Money.

Which fits your Money Type?

There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.

  • Strategist

    Simplifi lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.

    First fix: Save the Raise.

  • Spender

    Simplifi lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.

    First fix: Sleep on It.

  • Saver

    Neither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.

    First fix: Put It to Work.

  • Scrambler

    Simplifi lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.

    First fix: Bills First.

Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Another option: Fifecta

If neither Bloom nor Simplifi feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.

Try Fifecta free

What real users say

These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.

What Bloom users say

Based on 500 App Store reviews, 3 Reddit posts and 2 YouTube videos dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.

  • Of the 505 reviews, posts and videos we read, 223 mention learning about investing.
  • Of the 505 reviews, posts and videos we read, 71 mention how easy or hard the app is to use.
  • Of the 505 reviews, posts and videos we read, 22 mention the price, fees or the subscription.

Positive

“...my favorite feature is the learning section of it. It has helped me understand so much that I wish I knew when I was younger!”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Mixed

“My kids are on bloom and it has been great so far. Only downside is you have to pay for it but worth it imo.”
u/itsyourboyjjjj in r/investing on Reddit, . Read it on Reddit.

Critical

“There is no way to avoid the $15 subscription with Bloom even if you are not using the "learning" platform.”
u/ConditionSufficient7 in r/investingforbeginners on Reddit, . Read it on Reddit.
Where these come from

What Simplifi users say

Based on 34 App Store reviews, 18 Reddit posts and 2 Hacker News posts dated Oct 2025 to Oct 2026, read Oct 2026. We collected the Reddit data with Apify, a scraping service, on Oct 24, 2026.

  • Of the 54 reviews and posts we read, 17 mention how easy or hard the app is to use.
  • Of the 54 reviews and posts we read, 15 mention the price, fees or the subscription.
  • Of the 54 reviews and posts we read, 8 mention syncing or connecting accounts.

Positive

“...Simplifi by far is the easiest to use and has the most intuitive UI.”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Critical

“Quicken Simplifi has been a huge disappointment. I have multiple high-usage accounts that have lost connectivity...”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Positive

“...I've used Simplifi, Monarch and Copilot Money and Simplifi was the best of all those 3 IMO.”
u/Inner_Difficulty_381 in r/simplifimoney on Reddit, . Read it on Reddit.
Where these come from

FAQ

How much does Bloom cost?

Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year. We checked this on Oct 24, 2026.

How much does Simplifi cost?

Quicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 22, 2026 see a first-year offer of $3.99 a month, billed annually. We checked this on Oct 24, 2026.

Which is cheaper, Bloom or Simplifi?

The lowest monthly price Bloom lists is $15 a month, and the lowest Simplifi lists is $3.99 a month, so Simplifi lists the lower monthly price. We checked both on Oct 24, 2026, and plans change, so check both pricing pages before you decide.

What is Bloom's app store rating?

Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.

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Keep comparing

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Want a plan built on your Money Type?

Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.

Try Fifecta free
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Sources and dates

This is education, not financial advice.