SIMPL is $199 once. Real P&L, balance sheet, budgeting, net worth tracking. Own it forever — no subscription.
Bottom line: YNAB costs $179/year. SIMPL is $199 once. Break-even at 14 months. Over 5 years you save $925.
YNAB's methodology is genuinely excellent — zero-based budgeting, every dollar has a job. SIMPL uses the same methodology and adds P&L, balance sheet, and 21 reports on top. YNAB is $179/year forever. SIMPL is $199 once. Break-even at 14 months, then you keep the method and stop paying for it.
| Plan | Annual | Monthly |
|---|---|---|
| YNAB | $179/yr | $14.99/mo |
| SIMPL | $199 once | — |
| Feature | YNAB | SIMPL |
|---|---|---|
| Price | $179/yr | $199 once |
| P&L Statements | ✗ | ✓ |
| Balance Sheet | ✗ | ✓ |
| Net Worth Tracking | ✓ | ✓ |
| Zero-Based Budgeting | ✓ | ✓ |
| Envelope System | ✓ | ✓ |
| Debt Snowball / Avalanche | ✗ | ✓ |
| Schedule C IRS Mapping | ✗ | ✓ |
| 1099 Summary | ✗ | ✓ |
| Quarterly Tax Estimates | ✗ | ✓ |
| Receipt Capture & OCR | ✗ | ✓ |
| Works Offline | ✗ | ✓ |
| Local-First Data | ✗ | ✓ |
| Subscription Required | Yes | No |
| Can Be Shut Down | Yes | No |
YNAB is pre-selected below. Add any other tools you pay for to see the full 5-year picture.
YNAB costs $179/year. Over 5 years with 11.4% SaaS inflation that's $1,124. SIMPL is $199 once — break-even at 14 months.
SIMPL has P&L, balance sheet, zero-based budgeting, net worth tracking, 21 financial reports, debt snowball/avalanche, Schedule C IRS mapping, and receipt OCR. YNAB does not have real P&L or balance sheet reporting — SIMPL does.
Yes. Export your transactions, categories, and budgets from YNAB as CSV. SIMPL imports that format directly.
Yes. $199 once, no subscription, no renewal, no mandatory upgrades. You own the license. Future versions may be available as optional paid upgrades, but the version you buy will keep working forever.
SIMPL uses Plaid for bank sync (the same infrastructure most finance apps use). The difference: your transaction data lives in your SIMPL instance, not in our servers. We never see your balances. You can also run SIMPL entirely offline and enter transactions manually.
SIMPL ($199) is the financial suite: P&L, balance sheet, budget, reports, tax prep. Helix ($279) includes everything in SIMPL plus CRM, scheduling, invoicing, time tracking, and job management. If you run a service business, Helix. If you just need to manage your money, SIMPL.
30-day money-back guarantee. No questions, no "cancel flow," no retention calls. Email us and we refund.
SIMPL is financial management. If you also need CRM, scheduling, invoicing, and job tracking, Helix Full Suite is $80 more ($279 total) and includes everything. Same one-time model, same ownership.
One payment. Yours forever. No renewals, no upgrades, no rug pulls.
Get SIMPL — $199 See Helix Full Suite — $279