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Debt payoff comparison

Debt Payoff Planner 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

Debt Payoff Planner is a debt payoff app and Simplifi is a budgeting app. Debt Payoff Planner has a free plan, 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.

Debt Payoff Planner vs Simplifi at a glance

Debt Payoff Planner 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

Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month. 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

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

Bank syncing

No. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself. Quicken says Simplifi connects to over 14,000 financial institutions. We checked both on Oct 24, 2026.

Payoff methods

Debt Payoff Planner lists these payoff methods: Debt Avalanche, Debt Snowball and Custom. We haven't verified this for Simplifi yet, so check the official site for Simplifi before you decide. We checked Debt Payoff Planner on Oct 24, 2026.

Debt-free date

Yes. Debt Payoff Planner gives you a step-by-step plan with a debt-free date. We haven't verified this for Simplifi yet, so check the official site for Simplifi before you decide. We checked Debt Payoff Planner on Oct 24, 2026.

Extra payments

Yes. You can add an extra payment above your minimums, monthly or biweekly, and see how it changes your plan. We haven't verified this for Simplifi yet, so check the official site for Simplifi before you decide. We checked Debt Payoff Planner on Oct 24, 2026.

Features

Simplifi lists goals, shared budgets, investment tracking and data export. We haven't verified the features for Debt Payoff Planner yet. We checked Simplifi on Oct 24, 2026.

App store rating

Debt Payoff Planner has 4.7 out of 5 on the App Store from 7,387 ratings. We haven't verified this for Simplifi yet, so check the official site for Simplifi before you decide. We checked Debt Payoff Planner on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.

What it costs

  • Debt Payoff Planner logoDebt Payoff Planner

    Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.

    As of · debtpayoffplanner.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

    Debt Payoff Planner
    Not verified yet
    Simplifi
    Not verified yet
    Source
    • Debt Payoff Planner: Not verified yet.
    • Simplifi: Not verified yet.
  • App Store rating

    Debt Payoff Planner
    4.77,387 ratings
    Simplifi
    Not verified yet
    Source
    • Debt Payoff Planner has 4.7 out of 5 on the App Store from 7,387 ratings. App Store listing, as of Oct 24, 2026.
    • Simplifi: Not verified yet.
  • Platforms

    Debt Payoff Planner
    • Web
    • iOS
    • Android
    Simplifi
    • Web
    • Mobile
    Source
  • Bank syncing

    Debt Payoff Planner
    No
    Simplifi
    Yes
    Source
    • No. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself. debtpayoffplanner.com/support, 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

    Debt Payoff Planner
    • Debt Avalanche
    • Debt Snowball
    • Custom
    Simplifi
    Not verified yet
    Source
    • Debt Payoff Planner lists these payoff methods: Debt Avalanche, Debt Snowball and Custom. debtpayoffplanner.com/overview, as of Oct 24, 2026.
    • Simplifi: Not verified yet.
  • Debt-free date

    Debt Payoff Planner
    Yes
    Simplifi
    Not verified yet
    Source
    • Yes. Debt Payoff Planner gives you a step-by-step plan with a debt-free date. debtpayoffplanner.com, as of Oct 24, 2026.
    • Simplifi: Not verified yet.
  • Extra payments

    Debt Payoff Planner
    Yes
    Simplifi
    Not verified yet
    Source
    • Yes. You can add an extra payment above your minimums, monthly or biweekly, and see how it changes your plan. debtpayoffplanner.com/overview, as of Oct 24, 2026.
    • Simplifi: Not verified yet.
  • Payment reminders

    Debt Payoff Planner
    Not verified yet
    Simplifi
    Not verified yet
    Source
    • Debt Payoff Planner: Not verified yet.
    • Simplifi: Not verified yet.

Features

Features listed by each app's official source. A question mark means not verified yet.
FeatureDebt Payoff PlannerSimplifi
Savings goalsNot verified yetListed by the source
Shared budgetsNot verified yetListed by the source
Investment trackingNot verified yetListed by the source
Data exportNot verified yetListed 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

Debt Payoff Planner logoDebt Payoff Planner

No official screen found yet

Quicken Simplifi

  • Quicken App Store image of a projected cash flow screen
    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
  • Quicken screen with projected cash flow
    App Store marketing imageA Quicken screen with a Projected Cash Flow chart, Banking balances and three income rows.App Store listing, as of
  • Quicken App Store image of projected cash flow
    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
  • Simplifi mobile dashboard
    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

Debt Payoff Planner logoDebt Payoff Planner

No official screen found yet

Quicken Simplifi

  • Simplifi All Accounts screen
    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

Debt Payoff Planner logoDebt Payoff Planner

No official screen found yet

Quicken Simplifi

  • Simplifi transaction list
    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

Debt Payoff Planner logoDebt Payoff Planner

No official screen found yet

Quicken Simplifi

  • Quicken App Store image of a spending plan
    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
  • Quicken spending plan card
    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
  • Simplifi mobile Spending Plan
    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
  • Quicken spending plan rows
    App Store marketing imageSpending plan rows for Income, Bills, Planned Spend, Other Spend and Savings Goals with amounts.App Store listing, as of
  • Simplifi Left this month card
    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

Debt Payoff Planner logoDebt Payoff Planner

No official screen found yet

Quicken Simplifi

  • Simplifi Create a goal screen
    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
  • Simplifi Savings Goals screen
    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

Debt Payoff Planner logoDebt Payoff Planner

No official screen found yet

Quicken Simplifi

  • Quicken App Store image of a net income chart
    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
  • Quicken net income chart
    App Store marketing imageA Net Income bar chart by month, three income rows and a Left this month donut.App Store listing, as of
  • Quicken projected cash flow chart
    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

Debt Payoff Planner logoDebt Payoff Planner

No official screen found yet

Quicken Simplifi

  • Simplifi Recurring list
    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

Debt Payoff Planner logoDebt Payoff Planner

No official screen found yet

Quicken Simplifi

  • Quicken App Store image of retirement and investments
    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
  • Quicken retirement and investments cards
    App Store marketing imageA Retirement projection chart and an Investments card with $200,725 and a value chart.App Store listing, as of
  • Quicken App Store image of investments by month
    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
  • Simplifi Investments screen
    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

Debt Payoff Planner logoDebt Payoff Planner

No official screen found yet

Quicken Simplifi

  • Simplifi Spaces and sharing settings
    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
  • Simplifi Space sharing invitation email
    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

Debt Payoff Planner logoDebt Payoff Planner

  • Debt Payoff Planner App Store screenshot 1 of 4
    App Store marketing imageApp Store image 1 of 4 from the Debt Payoff Planner listing.App Store listing, as of
  • Debt Payoff Planner App Store screenshot 2 of 4
    App Store marketing imageApp Store image 2 of 4 from the Debt Payoff Planner listing.App Store listing, as of
  • Debt Payoff Planner App Store screenshot 3 of 4
    App Store marketing imageApp Store image 3 of 4 from the Debt Payoff Planner listing.App Store listing, as of
  • Debt Payoff Planner App Store screenshot 4 of 4
    App Store marketing imageApp Store image 4 of 4 from the Debt Payoff Planner listing.App Store listing, as of

Quicken Simplifi

  • Quicken App Store image of an invoice
    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

Debt Payoff Planner and Quicken Simplifi, side by side

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

No row matches exactly, so all 10 rows stay. Rows we can't compare yet dim.

Swipe the table sideways to see both apps.

Debt Payoff Planner and Quicken Simplifi compared. Each cell shows the date it was checked and links to its source.
FieldDebt Payoff Planner logoDebt Payoff PlannerDebt payoff appDebt Payoff Planner is a debt payoff app that turns your balances, rates and minimum payments into a step-by-step payoff plan with a debt-free date.Visit Debt Payoff Planner'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 feesDiffersDebt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.As of Oct 24, 2026. Source: debtpayoffplanner.comQuicken 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.
PlatformsDiffersDebt Payoff Planner lists Web, iOS and Android.As of Oct 24, 2026. Source: debtpayoffplanner.comQuicken Simplifi lists Web and Mobile.As of Oct 24, 2026. Source: quicken.com/products/simplifi
Bank syncingDiffersNo. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself.As of Oct 24, 2026. Source: debtpayoffplanner.com/supportYes. Quicken says Simplifi connects to over 14,000 financial institutions.As of Oct 24, 2026. Source: quicken.com/products/simplifi
Payoff methodsDebt Payoff Planner lists these payoff methods: Debt Avalanche, Debt Snowball and Custom.As of Oct 24, 2026. Source: debtpayoffplanner.com/overviewNot verified yet.
Debt-free dateYes. Debt Payoff Planner gives you a step-by-step plan with a debt-free date.As of Oct 24, 2026. Source: debtpayoffplanner.comNot verified yet.
Extra paymentsYes. You can add an extra payment above your minimums, monthly or biweekly, and see how it changes your plan.As of Oct 24, 2026. Source: debtpayoffplanner.com/overviewNot verified yet.
Payment remindersNot verified yet.Not verified yet.
FeaturesNot verified yet.
  • Yes: Goals
  • Yes: Shared budgets
  • Yes: Investment tracking
  • Yes: Export
As of Oct 24, 2026. Source: quicken.com/products/simplifiShared budgets: Spaces and sharing: one other member with their own Quicken ID, no second subscription. As of Oct 24, 2026. Source: support.simplifi.quicken.com/en/articles/6443103-how-to-use-spaces-sharing-in-quicken-simplifiExport: CSV export, web app only. As of Oct 24, 2026. Source: support.simplifi.quicken.com/en/articles/3404263-how-to-export-transactions-from-quicken-simplifi
App store ratingDebt Payoff Planner has 4.7 out of 5 on the App Store from 7,387 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. 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?

    Debt Payoff Planner

    Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.

    As of . Source: debtpayoffplanner.com

    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?

    Debt Payoff Planner

    No. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself.

    As of . Source: debtpayoffplanner.com

    Simplifi

    Yes. Quicken says Simplifi connects to over 14,000 financial institutions.

    As of . Source: quicken.com

  • Can I export my data?

    Debt Payoff Planner

    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.”

    As of . Source: support.simplifi.quicken.com

  • Is there support from the app's makers if I need help?

    Debt Payoff Planner

    Yes. Email.

    In their words: “If you have any questions, comments, or suggestions, please email our support team at support@debtpayoffplanner.com”

    As of . Source: debtpayoffplanner.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.”

    As of . Source: support.simplifi.quicken.com

Partners

Sharing money with a partner? Here's how each app handles a second person.

  • Can my partner use their own login details?

    Debt Payoff Planner

    No. Your partner signs in to your same account.

    In their words: “Yes, two people can each have the app installed on their respective device and access the same information as long as you have created an account (i.e. you cannot be using a guest account) and both people login with the same username and password.”

    As of . Source: debtpayoffplanner.com

    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.”

    As of . Source: support.simplifi.quicken.com

  • How many people can share one account?

    Debt Payoff Planner

    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?

    Debt Payoff Planner

    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.”

    As of . Source: support.simplifi.quicken.com

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?

    Debt Payoff Planner

    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?

    Debt Payoff Planner

    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.”

    As of . Source: support.simplifi.quicken.com

Business

Running a small business? Here's what each app says about business money.

  • Can I export my transactions for tax prep?

    Debt Payoff Planner

    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.”

    As of . Source: support.simplifi.quicken.com

  • Can I share my finances with my accountant?

    Debt Payoff Planner

    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.”

    As of . Source: support.simplifi.quicken.com

“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.

  • 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 Debt Payoff Planner 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.”
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 Debt Payoff Planner cost?

Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month. 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 Debt Payoff Planner's app store rating?

Debt Payoff Planner has 4.7 out of 5 on the App Store from 7,387 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

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.

Pinterest pin for Debt Payoff Planner vs Simplifi, a side-by-side app comparison from Priceless Tay.

Save this comparison

Pin it so you can find it again when you're ready to choose.

Sources and confidence

Last checked
Not verified yet
4 of 15 facts
Debt Payoff Planner7 of 9 verified, 2 not verified yet, last checked Oct 24, 2026
Quicken Simplifi4 of 6 verified, 2 not verified yet, last checked Oct 24, 2026

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.