Quicken Simplifi alternatives: 3 open-source picks
Quicken Simplifi costs $3.99/mo — $47.88 a year. These 3 alternatives replace it for $0, led by Actual Budget, Firefly III and Wealthfolio. All 3 are open source. License, stars and last commit checked by hand on 2026-08-11. No trials, no crippled tiers.
Imported account data, budgets, rules and reports on your disk; watchlists become categories and schedules.
licenseMIT
runsyour machine or their cloud
installNative desktop app for local-only use, or the official Docker/Node server for browser access and device sync
dataEach client works from a local SQLite budget; the server keeps account metadata plus budget blobs under its data directory, and optional end-to-end encryption covers budget contents but not bank-sync tokens.
setup✓ installs clean
the catch vs Quicken SimplifiActual's schedules and categories can imitate watchlists, but it lacks Simplifi's turnkey bank aggregation, recurring detection, spending-plan presentation, and managed mobile sync.
facts verified 2026-08-11
Imported transactions, budgets, recurring bills and reports in Docker; setup is not simplified.
licenseAGPL-3.0+
runsyour server
installOfficial Docker Compose deployment; a separate Firefly III Data Importer is normally added for bank files
dataTransactions, accounts, budgets, rules, and metadata live in the configured MariaDB/MySQL or PostgreSQL database; uploads and generated files live in persistent server volumes.
the catch vs Quicken SimplifiFirefly III is far harder to deploy and maintain and does not match Simplifi's automatic account linking, mobile polish, watchlists, and approachable spending-plan workflow.
setupThe first obstacle is operating a real web service, Docker, a database, application secrets, TLS, mail, backups, upgrades, and usually the separate importer plus an API token.
facts verified 2026-08-11
Spending, budgets, rules and net worth on your device; automatic account sync is paid.
licenseAGPL-3.0
runsyour machine or their cloud
installNative desktop or iOS app, or the official Docker image/Compose deployment for web mode
dataDesktop and self-hosted modes use a local SQLite database (the web server exposes a configurable app.db path); optional Wealthfolio Connect and encrypted device sync send selected holdings/account data through the vendor service.
setup✓ installs clean
the catch vs Quicken SimplifiWealthfolio is strongest for portfolios and net worth, but its free mode lacks Simplifi's automatic transaction sync, recurring-bill detection, watchlists, and mature spending plan.
facts verified 2026-08-11
What each one is, in full: Actual Budget · Firefly III
last updated 2026-08-11 · no votes, no pay-to-list · just what's real
how to choose a Quicken Simplifi alternative
Easiest to get running
Actual Budget — a one-click install, no server to maintain.
Most proven
Actual Budget, with 28,000 GitHub stars — the largest community of the 3, which usually means more answers when something breaks.
Works on your phone
Wealthfolio has a mobile app.
what you give up by leaving Quicken Simplifi
- bank aggregation, transaction cleaning, mobile sync, support, and mature finance workflows
- direct bank feeds
- tax filing guarantees
- payroll and payments
- accountant ecosystem and support
None of the picks above covers all of it. The full verdict says which gaps matter.
Quicken Simplifi alternatives at a glance
| tool | license | running it | platforms | stars | active |
|---|---|---|---|---|---|
| Actual Budget | MIT | one-click install | web, macos, windows, linux, self-hosted | 28,000 | 2026-08 |
| Firefly III | AGPL-3.0+ | docker to self-host | web, self-hosted | 24,200 | 2026-08 |
| Wealthfolio | AGPL-3.0 | one-click install | web, macos, windows, linux, ios, self-hosted | 8,500 | 2026-08 |
why people still pay for Quicken Simplifi
People still pay for Quicken Simplifi because people pay because accurate money records and dependable institution connections are worth more than the visible charts. The recurring cost buys import normalization, reconciliation, rule drift, exchange rates, backups, audit trails, tax changes, bank APIs, and support, not just the visible interface. If none of that applies to you, any pick above saves $47.88 a year.
questions about switching from Quicken Simplifi
Is there an open-source alternative to Quicken Simplifi?
Yes: Actual Budget, Firefly III, Wealthfolio. Every tool on this page is open source: no trials, no crippled tiers.
Can open source really replace Quicken Simplifi?
Our verdict is YES. Actual Budget (28k stars), Firefly III (24k stars), Wealthfolio (9k stars) are mature open-source replacements for Quicken Simplifi — self-host in one command and stop paying $3.99/mo. The full verdict, and what you give up by switching, is at caniopensourceit.online/quicken-simplifi.
What is the easiest open-source Quicken Simplifi alternative to set up?
Actual Budget — a one-click install, no server to maintain.
What is the most popular open-source Quicken Simplifi alternative?
By GitHub stars, Actual Budget (28,000). Firefly III is next with 24,200.
