Welcome Mint Users!

I 100% agree with this. Simplifi is importing all the CC transactions already - why not also take in the CC payment amount, due date, minimum amount due, and use that to adjust the "spending plan"? Right now every single Simplifi user has to update every single credit card statement manually in order to see if they really have enough money in their "spending accounts" to cover the bills. Such a waste of time that could be so easily automated!

Overall, I like the app. But there are 2 glaring shortcomings:

1. Year over year comparisions seem to be missing.
2. Watchlist. Nice idea but rendered useless when future bills are added at beginning of month regardless of then they are actually paid. It distorts the whole picture.

Shouldn't the YoY comparison be a standard thing? You have the data, it's just a matter of adding the feature. The watchlist is a great new feature that Mint did not have. But is there a plan to make it accurate?

I like everything else. Fix these 2 things and I'm a happy customer.

We joined Simplifi last Friday. I still can't download my banking accounts. US Bank gives me an email that says they are all added, but they aren't. However, all our investments and credit cards are downloaded and functional. I have tried disabling my internet security program and turned off ad-blocker to this site. I'm looking for other suggestions of what to do to get all my US Bank banking accounts into Simplifi. Without those in place I can't even do/see all the features you are discussion on this thread. Plus I also need to import my CSV files from Mint. I'm really stuck!

I'm a minter since 2013. I did an actual LOL with your comment @UrsulaA "questionable Excel". Programs like Mint and now Simplifi are definitely a lifesaver for us to keep track of finances, goals, cyber security, and gives us financial peace in a time where things happen so quickly.

Totally agree Dana, I appreciate this platform where we can create, vote, and see what updates are being worked on. The coaches here are awesome!

Hello,

I was a minter for 14 years!!. Using Simplify for about 3wks.

As someone said before me, after reading all these comments I realize I was not a power user of Mint by any means. I used mint to know where my money was going each month and If I felt I was spending too much on "shopping" or any of those sneaky cats, then to try to restrain myself in future months, and overall, just to be conscious of it. Nothing too rigid in budget because I am mostly a thrifty person per se and live below my means as philosophy. Although I, at one point setup budgets I really never looked at them too much. What I did do was ensure my transactions were labeled correctly and looked at the spending reports, net income and net worth over time.

One thing I would like to see added is a way to customize reports and keep them that way. I ALWAYS look at my spending report over time for the past 12 months, NEVER by total, which seems to be the default in Simplify. I always have to change this again and again and it is annoying. Also, in MINT the spending report showed you a quick summary to the right of the screen with your Highest Month expense and the average monthly expense for the period of time you have selected (past 3mo, past 6 month or 12months). I wish this was added to the reports screen.

I am still figuring out things in Simplify and how to make things work for me. Really need to spend some time reading about how to handle different things. Due to cost of Simplify vs Monarch I for now will stick to Simplify.

@Coach Natalie

I’m a new Simplifi customer that moved from Mint. Here are my thoughts and opinions on Simplifi.

Note that I primarily use the Android app and my comments are based on the app and not the website.

Positives:

Except for Fidelity HSA, account update is quick and seamless.

Nice dashboard with good summary info.

I like the Top Spending item on the dashboard.

There are lots of reporting options.

In many ways, Simplifi is similar to Mint.

Overall, a good product and a good replacement for Mint.

Negatives:

Major:

“All Transactions” are not really all transactions for all accounts but are only banking and credit card transactions. This is misleading and should be corrected.

There is no way to see all Investment transactions on the app. You have to select each Investment account to see investment transactions. A way to see all investment transactions is needed and should be added.

Credit card and other Payee values are automatically updated with sometimes bizarre and unnecessary values. For example, a restaurant called ‘Flying Dog Pub’ was automatically updated to Payee = ‘Flying J’ and was categorized as Gas & Fuel. I think you should give us the option to disable automatic updates of Payee values – I would prefer the original Payee value that comes from the bank or other financial institution.

Major bank credit card support for Bills & Payments. Mint had this and so should Simplifi.

Fix the problems with Fidelity HSA accounts.

Minor:

IMHO the summary box at the top of the dashboard should start with Net Worth rather than Banking. It seems more logical to start with the net worth total and then allow for scrolling to see breakdowns rather than the reverse.

For All Transactions, the Account Filter screen is a mess and doesn’t work correctly. I have a lot of accounts and I can’t tell how they are sorted. In addition, scrolling does not work. If All Transactions are not going to support Investment account transactions, the investment accounts should be removed from the filter. This should be cleaned up…

In Investments, get rid of the Related news section or give us an option to remove it. IMHO it’s not needed here.

Holdings that are only in 1 account do not display info on which account they are associated with. It does display each account when the holding is associated with more than one account.

Some of the spending reports include transactions that are marked as excluded from spending reports. For example, this is the case with the Spending by Month report.

Info on when each account was last updated would be helpful.

Thank you!

New to Simplifi and long-time former Mint user here. I agree with some of the other posts about the inability to compare spending over defined periods of time or the ability to compare spending over any timeframe I define. Year over year and month over month is great but I prefer to compare a previous month to the same month of a previous year (i.e., December 2023 to December 2022). Since spending month to month can vary (December is Christmas season, for example, and comparing to the previous December is more informative than comparing to November). Seems like a simple feature that everyone would want. I see this has been mentioned in other threads and I'll see if I can up-vote those comments but this is my biggest complaint about moving to Simplifi.

Ok, got it thanks. Must have missed that. I expected it to be listed in the list of recurring options when initially setting it up.

Firstly, thanks to the Simplifi engineering, product, and customer teams for all your effort. And to the community for the productive feedback.

I was admittedly sad to see Mint go, but have quickly pivoted to appreciating Simplifi, and much of the functionality I never knew I needed. Example: After being confused and resistant to the Spending Plan, I entered in all my income, bills, and subscriptions, and was thrilled to discover the "Projected Cash Flow" view, which I had previously been doing manually in a Google Sheet. 🤦‍♂️

Aside from some of the well-known and thoroughly discussed feature requests (improved transaction splitting, customizable dashboards, ability to exclude tags from reports, etc), I thought I'd humbly offer up a more general minor nit I have, which is Simplifi's love affair with pie charts. :) Purely from an information design perspective (particularly when it comes to budgeting), showing expenses as a bar chart tends to make much more sense, i.e. "I've budgeted $500 for food this month, and I'm close to going over", rather than "food makes up a much larger part of my overall monthly spending than movies" (which is likely true every month, and perhaps already obvious).

For users like me who log in every day and track spending progress, pie charts are almost never practical (at least based on how I use Simplifi). Whereas bar chart progress trackers like in "Planned spending", provide a much more practical at-a-glance view of how I'm doing. And if there were a line indicating the current day along the bar chart so I can see how I'm trending, that would be awesome.

Thanks again everyone!

Going back to the lack of a way to import and reflect total Networth History coming from Mint. This is still a big gap for me and many users. It still does not seem to have a solution or work around either.

1. Mint allows networth history to be exported, so why not offer a way to import that as a work around? Perhaps just color coding or denoting the data points that were purely imported history (vs the new/detailed consolidate networth data points since starting in Simplifi)? That would seem like an easy and elegant solution.
2. I've imported the history of all my individual accounts into Simplifi, so why can't Simplifi reflect that in the networth history going back as far as the history in each imported account goes?

Personally, I'd be happy with either solution as a vast improvement to the "zero solution" state for networth history we face at this time.

This is a big one. Networth History was probably the top report I visited on Mint(perhaps a bit obsessively!) and it provided the number one incentive and motivation to me daily, in a balanced financial way. While Simplifi is very nice and I've adapted to the other features well to meet my needs, I will always feel a bit lost at sea without a way to see a meaningful networth history at a glance, to see the trend and trajectory over many many past years (prior to joining Simplifi).

Thank you, I really hope a solution or work around is coming soon.

Eric