NEKO vs Simplifi
NEKO is a free budgeting app for iPhone, iPad and Android that projects your balance for every day ahead from the bills and paychecks you add. Pick it over Simplifi by Quicken if you want that forecast without connecting your bank or paying for a subscription.
By Julio CruzChecked
Simplifi details as of October 15, 2026.
| Feature | NEKO | Simplifi |
|---|---|---|
| Works without a bank link | Built for it | Manual accounts; bills detected from linked ones |
| Free plan | No time limit | Paid plans only |
| Credit card statements | Closing day, due date and the amount that avoids interestPremium | Not documented |
| Installment plans | Each payment on the right statementPremium | Not documented |
| Money you lent | Loans Out: balance and payments receivedPremium | Not documented |
| Loans you owe | Principal, interest and payoff datePremium | Payoff date not documented |
| Warning before an account goes below zero | Days ahead | Not documented |
| PDF bank statements | Reads them; you review before savingPremium | Not documented |
| Use without signing up | Data stays on your phone | Quicken account and subscription |
| Balance on any future date | Every day on a calendar | Projected Cash Flow, up to a year |
| What's safe to spend | This month, before payday or any date | Monthly Available in the Spending Plan |
| Price | Premium is $39.99/yr | $47.88 the first year ($3.99/mo, billed yearly) |
| Automatic bank sync | You enter transactions or upload statements | 14,000+ financial institutions |
| Web app and sharing | Coming soon | In the browser, with one other person |
Both apps project your balance forward. Simplifi builds its projection from scheduled transactions and the bills it detects in your linked accounts. NEKO builds it from the accounts, bills and paychecks you add, and lays the result out on a calendar, one day at a time, without a bank login or a subscription.
Every day on NEKO's calendar shows a projected balance, worked out from your accounts and every scheduled bill, paycheck, card payment and transfer.
If a payment would push an account below zero, NEKO warns you days ahead, while there's still time to move money.
In SimplifiSimplifi's Projected Cash Flow charts your balance up to a year ahead from scheduled transactions and reminders. Its help center notes that it leaves out planned spending and savings goal contributions.
Enter the closing day and due date. NEKO shows what lands on each statement and the amount that avoids interest, then reminds you before it's due.
It can schedule the payment, so the calendar already counts it. Credit card statements are part of Premium.
In SimplifiSimplifi tracks card balances from your connected accounts. Its site doesn't describe statement cycles or the amount that avoids interest.
Add a loan with its rate and term. NEKO splits every payment into principal and interest and shows your payoff date. Installment plans land on the card statement they belong to.
Loans Out tracks money you lent, with every payment you receive, so you know who owes you what. Loans, installment plans and Loans Out are part of Premium.
In SimplifiSimplifi's site doesn't describe installment plans, loan payoff dates or money you lent.
Safe to Spend is your balance minus everything already promised: upcoming bills, card payments and transfers.
Check it for this month, the days before payday or any date you pick. It also sits on a home screen widget, and on iPhone you can ask Siri.
In SimplifiSimplifi's Spending Plan shows a monthly Available amount after bills, subscriptions and savings goals.
NEKO never asks for your bank login. You add what you want to track.
Upload a PDF, Excel or CSV statement (Premium). NEKO reads it and saves nothing until you've reviewed it.
Keep your data on your phone, or sign in with Apple or Google to sync your devices.
A PIN with Face ID, Touch ID or fingerprint unlock.
In SimplifiSimplifi connects to more than 14,000 financial institutions. You can add manual accounts, but its bill detection and transaction rules work from linked accounts.
NEKO
Free
no time limit
Simplifi
$47.88
the first year, billed yearly
Install NEKO and enter today's balance for each account. There's nothing to connect.
They fill the calendar and the Safe to Spend number.
Upload your bank's statements with statement import (Premium) and review them before they're saved.
No. NEKO tracks cash, checking, savings, credit cards and loans. If you want investments in the same app as your spending, Simplifi covers them.
Yes. Run both side by side for a few weeks, with the same bills in each, and cancel Simplifi only once NEKO fits how you plan.
Yes. Most features work without internet, and if you sign in, your data syncs when you're back online. Statement import needs a connection.
