Debt payoff comparison
Changed vs Simplifi
Updated
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Changed is a debt payoff app and Simplifi is a budgeting app. Changed lists plans from $6 a month on its website, 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 10 rows in the table below.
Changed vs Simplifi at a glance
Changed is a debt payoff 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 10 rows in the table below.
Price and fees
Changed lists plans from $6 a month on its website. 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.
Platforms
Changed lists iOS. Quicken Simplifi lists Web and Mobile. We checked both on Oct 24, 2026.
Bank syncing
Changed links your loans and the bank and spending accounts you want it to track for round-ups. Quicken says Simplifi connects to over 14,000 financial institutions. We checked both on Oct 24, 2026.
Payoff methods
Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans. We haven't verified this for Simplifi yet, so check the official site for Simplifi before you decide. We checked Changed on Oct 24, 2026.
Debt-free date
Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save. We haven't verified this for Simplifi yet, so check the official site for Simplifi before you decide. We checked Changed on Oct 24, 2026.
Extra payments
Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases. We haven't verified this for Simplifi yet, so check the official site for Simplifi before you decide. We checked Changed on Oct 24, 2026.
Features
Simplifi lists goals, shared budgets, investment tracking and data export. We haven't verified the features for Changed yet. We checked Simplifi on Oct 24, 2026.
App store rating
Changed has 4.6 out of 5 on the App Store from 5,654 ratings. We haven't verified this for Simplifi yet, so check the official site for Simplifi before you decide. We checked Changed on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
ChangedChanged lists plans from $6 a month on its website.
As of · gochanged.com
- Quicken Simplifi
$6.99a month, billed yearly
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.
As of · quicken.com/products/simplifi
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer.
At a glance
Free trial
- Changed
- Not verified yet
- Simplifi
- Not verified yet
Source
- Changed: Not verified yet.
- Simplifi: Not verified yet.
App Store rating
- Changed
- 4.65,654 ratings
- Simplifi
- Not verified yet
Source
- Changed has 4.6 out of 5 on the App Store from 5,654 ratings. App Store listing, as of Oct 24, 2026.
- Simplifi: Not verified yet.
Platforms
- Changed
- iOS
- Simplifi
- Web
- Mobile
Source
- Changed lists iOS. App Store listing, as of Oct 24, 2026.
- Quicken Simplifi lists Web and Mobile. quicken.com/products/simplifi, as of Oct 24, 2026.
Bank syncing
- Changed
- Yes
- Simplifi
- Yes
Source
- Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups. gochanged.com/how-it-works, as of Oct 24, 2026.
- Yes. Quicken says Simplifi connects to over 14,000 financial institutions. quicken.com/products/simplifi, as of Oct 24, 2026.
Payoff methods
- Changed
- Debt Snowball
- Debt Avalanche
- Custom Plans
- Simplifi
- Not verified yet
Source
- Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans. App Store listing, as of Oct 24, 2026.
- Simplifi: Not verified yet.
Debt-free date
- Changed
- Yes
- Simplifi
- Not verified yet
Source
- Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save. App Store listing, as of Oct 24, 2026.
- Simplifi: Not verified yet.
Extra payments
- Changed
- Yes
- Simplifi
- Not verified yet
Source
- Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases. gochanged.com/how-it-works, as of Oct 24, 2026.
- Simplifi: Not verified yet.
Payment reminders
- Changed
- Not verified yet
- Simplifi
- Not verified yet
Source
- Changed: Not verified yet.
- Simplifi: Not verified yet.
Features
| Feature | Changed | Simplifi |
|---|---|---|
| Savings goals | Not verified yet | Listed by the source |
| Shared budgets | Not verified yet | Listed by the source |
| Investment tracking | Not verified yet | Listed by the source |
| Data export | Not verified yet | Listed by the source |
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Simplifi: quicken.com/products/simplifi, as of Oct 24, 2026; Data export: support.simplifi.quicken.com/en/articles/3404263-how-to-export-transactions-from-quicken-simplifi, as of Oct 24, 2026; Shared budgets: support.simplifi.quicken.com/en/articles/6443103-how-to-use-spaces-sharing-in-quicken-simplifi, as of Oct 24, 2026.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Home
Changed
No official screen found yet
Quicken Simplifi
App Store marketing imageApp Store image with the headline "Know what's next with your money" showing a hand holding a phone with a Quicken screen, a Projected Cash Flow chart and Banking balances.App Store listing, as of 
App Store marketing imageA Quicken screen with a Projected Cash Flow chart, Banking balances and three income rows.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Tools that are predictive & adaptive" showing a Projected Cash Flow chart and Banking balances.App Store listing, as of 
From Simplifi's help centerThe mobile dashboard with a Banking card, a note that 3 accounts need attention and Recent Spending.support.simplifi.quicken.com, as of
Accounts
Changed
No official screen found yet
Quicken Simplifi
From Simplifi's help centerThe All Accounts screen with net worth, business accounts and personal Banking accounts grouped with balances.support.simplifi.quicken.com, as of
Transactions
Changed
No official screen found yet
Quicken Simplifi
From Simplifi's help centerA transaction list with a search box, each row showing payee, category, amount and date.support.simplifi.quicken.com, as of
Budget
Changed
No official screen found yet
Quicken Simplifi
App Store marketing imageApp Store image with the headline "Smart budgeting" showing $1,415 left this month with a donut chart and spending plan rows.App Store listing, as of 
App Store marketing imageA spending plan card: $1,415 left this month, a donut chart, and Income, Bills, Planned Spend, Other Spend and Savings Goals rows.App Store listing, as of 
From Simplifi's help centerThe mobile Spending Plan for October 2026 with Income, Bills, Planned Spend, Other Spend and Savings Goals rows and a Left this month ring.support.simplifi.quicken.com, as of 
App Store marketing imageSpending plan rows for Income, Bills, Planned Spend, Other Spend and Savings Goals with amounts.App Store listing, as of 
From Simplifi's help centerA Left this month card showing $3,987.80 with a ring chart and $173.38 left per day.support.simplifi.quicken.com, as of
Goals
Changed
No official screen found yet
Quicken Simplifi
From Simplifi's help centerA Create a goal screen with choices like Buy a car, Emergency Fund, Wedding, Vacation, Home and Custom.support.simplifi.quicken.com, as of 
From Simplifi's help centerThe Savings Goals screen with a Fall Wedding goal at 35%, $350 saved and a target date.support.simplifi.quicken.com, as of
Reports and insights
Changed
No official screen found yet
Quicken Simplifi
App Store marketing imageApp Store image with the headline "Business & personal finances in one clear view" showing a Net Income chart and income rows.App Store listing, as of 
App Store marketing imageA Net Income bar chart by month, three income rows and a Left this month donut.App Store listing, as of 
App Store marketing imageA Projected Cash Flow chart with a Today marker and a projected balance of $31,452.App Store listing, as of
Bills and recurring
Changed
No official screen found yet
Quicken Simplifi
From Simplifi's help centerThe Recurring list with filters for All Active, Income, Bills and Subscriptions and each series' next date and frequency.support.simplifi.quicken.com, as of
Investments
Changed
No official screen found yet
Quicken Simplifi
App Store marketing imageApp Store image with the headline "Turn what ifs into an actual plan" showing a Retirement chart and an Investments value.App Store listing, as of 
App Store marketing imageA Retirement projection chart and an Investments card with $200,725 and a value chart.App Store listing, as of 
App Store marketing imageApp Store image with the headline "All your finances in one, and then some" showing an Investments value chart and a monthly value list.App Store listing, as of 
From Simplifi's help centerThe mobile Investments screen with Holdings, Balances and Performance tabs, a market value, related news and holdings.support.simplifi.quicken.com, as of
Sharing with a partner
Changed
No official screen found yet
Quicken Simplifi
From Simplifi's help centerThe web Spaces & sharing settings with the user's financial spaces and a Shared with you section.support.simplifi.quicken.com, as of 
From Simplifi's help centerAn invitation email that says Andrea wants to share their Space, with an Accept invitation button.support.simplifi.quicken.com, as of
Other screens
Changed
App Store marketing imageApp Store image 1 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the Changed listing.App Store listing, as of
Quicken Simplifi
App Store marketing imageApp Store image with the headline "Run your business confidently" showing income rows and an invoice marked Paid in full.App Store listing, as of
Changed and Quicken Simplifi, side by side
Rows marked “Differs” are where the official sources say different things, and 3 rows do here.
Swipe the table sideways to see both apps.
| Field | ChangedDebt payoff appChanged is a debt payoff app that rounds up your purchases and sends the spare change to your debts as extra payments.Visit Changed's site | Quicken 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 feesDiffers | Changed lists plans from $6 a month on its website.As of Oct 24, 2026. Source: gochanged.com | 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.As of Oct 24, 2026. Source: quicken.com/products/simplifi |
| Free trial | Not verified yet. | Not verified yet. |
| PlatformsDiffers | Changed lists iOS.As of Oct 24, 2026. Source: App Store listing | Quicken Simplifi lists Web and Mobile.As of Oct 24, 2026. Source: quicken.com/products/simplifi |
| Bank syncingDiffers | Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups.As of Oct 24, 2026. Source: gochanged.com/how-it-works | Yes. Quicken says Simplifi connects to over 14,000 financial institutions.As of Oct 24, 2026. Source: quicken.com/products/simplifi |
| Payoff methods | Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans.As of Oct 24, 2026. Source: App Store listing | Not verified yet. |
| Debt-free date | Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save.As of Oct 24, 2026. Source: App Store listing | Not verified yet. |
| Extra payments | Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases.As of Oct 24, 2026. Source: gochanged.com/how-it-works | Not verified yet. |
| Payment reminders | Not verified yet. | Not verified yet. |
| Features | Not verified yet. |
|
| App store rating | Changed has 4.6 out of 5 on the App Store from 5,654 ratings.As of Oct 24, 2026. Source: App Store listing | Not 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. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps to this table and compare up to four side by side.
Who it's for
Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Simplifi
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.
As of . Source: quicken.com
Does it connect to my bank and import transactions?
Changed
Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups.
As of . Source: gochanged.com
Simplifi
Yes. Quicken says Simplifi connects to over 14,000 financial institutions.
As of . Source: quicken.com
Can I export my data?
Changed
Not verified yet
Simplifi
Yes. You can export your data.
In their words: “Currently, the only available export format is CSV (Comma-Separated Values), which is compatible with most spreadsheet applications like Excel and Google Sheets.”
Is there support from the app's makers if I need help?
Changed
Yes. Message form and help center.
In their words: “Didn't find the answers you're looking for? Need some additional help? We're here to answer the questions you have.”
As of . Source: gochanged.com
Simplifi
Yes. Live chat, phone and community.
In their words: “You can reach out to our support team via chat, phone, or the Quicken Simplifi Community, each with specific hours.”
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Changed
Not verified yet
Simplifi
Yes. Your partner gets their own login.
In their words: “You can share your Quicken Simplifi data with one additional member, who will need their own Quicken ID and password, but does not need their own Quicken Simplifi Subscription.”
How many people can share one account?
Changed
Not verified yet
Simplifi
Up to 2 people, including you.
In their words: “You can add one other person with our "spaces & sharing" feature.”
As of . Source: quicken.com
Can we keep shared and individual views?
Changed
Not verified yet
Simplifi
No. You both see the same shared view.
In their words: “Note: Some limited-access capabilities-like sharing specific accounts or features or viewing and adding attachments to transactions-are not yet available, but may be added for Space Sharing in the future.”
Family
Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.
How many people can share one account?
Changed
Not verified yet
Simplifi
Up to 2 people, including you.
In their words: “You can add one other person with our "spaces & sharing" feature.”
As of . Source: quicken.com
Freelancer
Paid on an uneven schedule or running a side hustle? Here's what each app offers. See apps with a SEP IRA or Solo 401(k).
Can I export my transactions for tax prep?
Changed
Not verified yet
Simplifi
Yes. You can export your transactions for tax prep.
In their words: “The Taxes report also supports TXF and TXJ formats for use with tax preparation software.”
Business
Running a small business? Here's what each app says about business money.
Can I export my transactions for tax prep?
Changed
Not verified yet
Simplifi
Yes. You can export your transactions for tax prep.
In their words: “The Taxes report also supports TXF and TXJ formats for use with tax preparation software.”
Can I share my finances with my accountant?
Changed
Not verified yet
Simplifi
Yes. You can export your data and send the file.
In their words: “Currently, the only available export format is CSV (Comma-Separated Values), which is compatible with most spreadsheet applications like Excel and Google Sheets.”
“Not verified yet” means we haven't found a current official source that answers it, not that the app can't. We only say no when the app's own page does.
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.
StrategistSimplifi lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
First fix: Save the Raise.
SpenderSimplifi 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.
SaverNeither 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.
ScramblerBoth Changed and Simplifi list 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 Changed 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.
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 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.”
Critical
“Quicken Simplifi has been a huge disappointment. I have multiple high-usage accounts that have lost connectivity...”
Positive
“...I've used Simplifi, Monarch and Copilot Money and Simplifi was the best of all those 3 IMO.”
Where these come from
- Simplifi reviews on the App Store, read Oct 24, 2026. This listing is the Quicken app, so we kept only reviews dated inside the window that name Simplifi (34 of the 209 in the feed).
- Hacker News search for Simplifi, read Oct 24, 2026. Public search of comments and posts. 5 named the app; we kept 2 where the writer shares their own use of it.
- Reddit search for Simplifi, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "Quicken Simplifi", posts and comments from after Oct 24 2025. It returned 98, most of them about something else. We kept 18 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for Simplifi, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "Quicken Simplifi review" from the past year, up to 8 videos. It returned 8. We kept 0 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- u/err_404_smooth_brain in r/simplifimoney on Reddit, Oct 24, 2026.
- u/AMinthPM in r/MoneyDiariesACTIVE on Reddit, Oct 22, 2026.
- u/Physical-Incident553 in r/personalfinance on Reddit, Oct 22, 2026.
- u/pepe_teh_king_prawn in r/MoneyDiariesACTIVE on Reddit, Oct 22, 2026.
- u/deathoftheendless_ in r/MoneyDiariesACTIVE on Reddit, Oct 22, 2026.
- u/theyhis in r/budgetingforbeginners on Reddit, Oct 21, 2026.
- u/Forded_Fiction24 in r/investingforbeginners on Reddit, Oct 14, 2026.
- u/fishiesaurus in r/DaveRamsey on Reddit, Oct 13, 2026.
- u/Inner_Difficulty_381 in r/simplifimoney on Reddit, Sep 30, 2026.
- u/Training_Falcon_3432 in r/simplifimoney on Reddit, Sep 30, 2026.
- u/HungryPeanutButter in r/Fire on Reddit, Sep 27, 2026.
- u/Moar-Points-100M in r/ufl on Reddit, Sep 26, 2026.
- u/HenFruitEater in r/MonarchMoney on Reddit, Sep 23, 2026.
- u/tracker141 in r/simplifimoney on Reddit, Sep 17, 2026.
- u/Jc_Worley in r/simplifimoney on Reddit, Sep 11, 2026.
- u/Arutig3 in r/MonarchMoney on Reddit, Aug 26, 2026.
- u/bwtharp in r/simplifimoney on Reddit, Aug 21, 2026.
- u/Veronica6765 in r/copilotmoney on Reddit, Aug 11, 2026.
- DazWilkin on Hacker News, Mar 20, 2026.
- whattheheckheck on Hacker News, Jan 2, 2026.
FAQ
How much does Changed cost?
Changed lists plans from $6 a month on its website. 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.
What is Changed's app store rating?
Changed has 4.6 out of 5 on the App Store from 5,654 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
What devices does Simplifi work on?
Quicken Simplifi lists Web and Mobile. We checked this on Oct 24, 2026.
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Keep comparing
- See Changed alternatives, closest category first.
- See Simplifi alternatives, closest category first.
- Want the bigger picture? Compare more money apps.
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.
Sources and confidence
- Last checked
- Not verified yet
- 4 of 15 facts
Changed7 of 9 verified, 2 not verified yet, last checked Oct 24, 2026
- Price and feesgochanged.com, as of Oct 24, 2026
- Free trialNot verified yet
- PlatformsApp Store listing, as of Oct 24, 2026
- Bank syncinggochanged.com/how-it-works, as of Oct 24, 2026
- Payoff methodsApp Store listing, as of Oct 24, 2026
- Debt-free dateApp Store listing, as of Oct 24, 2026
- Extra paymentsgochanged.com/how-it-works, as of Oct 24, 2026
- Payment remindersNot verified yet
- App store ratingApp Store listing, as of Oct 24, 2026
Quicken Simplifi4 of 6 verified, 2 not verified yet, last checked Oct 24, 2026
- Price and feesquicken.com/products/simplifi, as of Oct 24, 2026
- Free trialNot verified yet
- Platformsquicken.com/products/simplifi, as of Oct 24, 2026
- Bank syncingquicken.com/products/simplifi, as of Oct 24, 2026
- Featuresquicken.com/products/simplifi, as of Oct 24, 2026
- App store ratingNot verified yet
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
