SimpleFi
Know your money by heart. Two minutes a day. No bank login, ever.
About this project
Most money apps want your bank password, then drown you in transactions you didn’t ask to look at. SimpleFi is the opposite: a few quick questions each day. What you spent. What you moved. What you paid down. Do it for a few weeks and something shifts. You stop needing to check, because you already know.
It’s built for the household, not just the person who already tracks. In most couples, one person carries the money and the other is a step behind. Two minutes a day keeps both of you in the same picture — without a sit-down and a spreadsheet.
It works on the web, and as an app on iPhone and Android. Your numbers live on your device first. We’re going further so that even we couldn’t open them — that part isn’t finished yet.
Why it isn't like the others
What makes it different
No bank login. Ever.
You type it in. That isn’t a missing feature — it is the product. Connecting a bank would have been easier, and it would have killed the habit.
Built for couples
The person who already tracks stops being the messenger. The person who doesn’t have to ask for a catch-up. You’re both just… current.
No red for being in debt
Being in debt isn’t painted as a failure. Warm colors are for good news. The look can shift with how things feel — thriving, steady, rebuilding — instead of punishing you.
Your phone holds the picture
The daily snapshot, the history, the cards — all of that lives on your device. The internet is backup and sync, not the thing you need to know where you stand.
The parts
Who uses it
Daily check-in
A short, honest snapshot. About two minutes. Streaks exist. Shame doesn’t.
Household
Solo or together. Both of you current, without one of you playing accountant.
The public site
simplefi.life explains how it works, what it costs, and why it helps couples.
One more thing
A few more details
- No budgeting system. No linking bank accounts. Leaving those out is the point.
- You can use it today. The next step is locking the numbers so even we couldn’t open them — and we’ll say so when that’s actually true.
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