Two minutes a day
Know your money
by heart.
A few quick questions each day — what you spent, what you moved, what you paid down. Two minutes and you’re done. Do it for a few weeks and something shifts: you stop needing to check, because you already know.
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You’re not bad with money.
You just can’t see it.
Nothing is actually wrong. The bills get paid. You’re not reckless. But if someone asked right now what you have, you’d have to go and look — and you’d be a little nervous about the answer.
- You check your balance and feel a small jolt. Every time.
- You’ve downloaded a budgeting app. Twice. You used it for about a week.
- You couldn’t say whether this month is better or worse than last.
- The two of you only talk about money when something has gone wrong.
None of that is a discipline problem. It’s a visibility problem — and more charts won’t fix it. Two minutes of attention a day will.
The part that surprises people
Yes, you type it in yourself.
That’s the part that works.
Every other money app connects to your bank and does this for you. On paper that’s the better deal. In practice it’s the reason you can’t say what your balance is without looking.
When something else tracks your money, you stop tracking your money. What you get instead is a dashboard — and a dashboard is a thing you don’t open. Your own number ends up technically available and genuinely unknown.
Typing “$24.50, coffee and lunch” takes two seconds. Those two seconds are an act of noticing. Noticing is the entire product.
A month in, you’ll catch yourself knowing roughly where you stand before you’ve opened anything at all. That doesn’t happen when it’s done for you.
The side effect is worth naming: there are no bank credentials to hand over, so there’s nothing of yours to leak.
The daily habit loop
Three steps. Two minutes. Done.
Mood check-in
Before you see any numbers, you rate how you’re feeling about your finances. Honest baseline first — data second.
Smart questions
A card for each account. SimpleFi asks only what’s relevant today — spending, payments, transfers, balances. Tap through in seconds.
Today’s picture
Net worth, cash, debt, assets — your complete financial snapshot, plus a streak update and a moment of genuine affirmation.
Ninety days from now
Nothing much happens on day one.
That’s the point. The value was never in any single session — it’s in what ninety of them add up to.
You enter what your accounts look like today and answer a few questions. Two minutes. It feels almost too small to count — you have one number and nothing to compare it to.
You’ve stopped guessing. You catch yourself knowing roughly where you stand before you’ve opened anything. And the mood check-ins have started showing you something: the weeks you felt worst weren’t always the weeks you were doing worst.
You have a line. Ninety days of your own numbers, in your own hand — what actually happened, not a projection. You can see the months you moved and the months you drifted, and you know exactly why.
Recurring spending
Most of your money is
already spoken for.
Subscriptions, utilities, insurance, loan payments — the charges that leave whether or not you’re paying attention. For most households it’s the biggest slice of the month, and it’s the part nobody has in one place.
SimpleFi keeps all of it on one screen, each item attached to the account it’s paid from. Read it as a list, or switch to the calendar and see the same charges laid out across the days they actually land.
- Sorted by what’s due next, with anything overdue pinned to the top
- Every item tied to the account it comes out of
- A fixed amount, or your own estimate for the ones that move
- A total for the month, and a running total for the week
That’s the check worth doing weekly. Not to feel bad about the subscriptions — just to make sure the account each charge comes out of has enough in it before the day arrives. Especially the accounts you don’t share.
Built different. On purpose.
Every decision in SimpleFi is intentional.
No budgeting
SimpleFi isn’t about categories and limits. It’s about awareness. Knowing where you are is more powerful than micromanaging where you’re going.
Meets you where you are
Everyone’s financial situation is different. SimpleFi adjusts its tone and encouragement based on where you actually are — without you having to explain it.
Streak-powered habit
Every day you log, your streak grows. Miss one? There’s grace for couples. The goal isn’t perfection — it’s consistency over months.
Works on any device
Works like an app on your phone or tablet, and on your computer too. Add it to your home screen in seconds and pick up wherever you left off.
The app that reads the room
SimpleFi doesn’t treat everyone the same. It adapts to your financial reality — the tone, the encouragement, even the visual energy of the interface.
“You’re building something real.”
“Consistent. This is how it works.”
“Small and real. Keep going.”
“You checked in today. That’s the whole job right now.”
States are never labeled to you. The app just feels different.
For two
One of you is the money person.
That’s the problem.
In most households one person carries it. They’re the one who checks, the one who worries, and the one who has to bring it up — which makes them the one who feels like a nag. The other person isn’t careless. They’re a step behind, because nobody ever handed them the numbers.
So money only comes up when something’s wrong. And anything that only comes up when something’s wrong becomes a thing you’d rather not bring up.
- Neither of you is the keeper. You both touch the same numbers every day, so the mental load gets shared without anyone having to ask for help carrying it.
- No coordinating. No reminding. You each log whenever suits you — over coffee, late at night, on the train. There’s no “did you do it yet?” and nobody is waiting on anybody.
- The money talk stops being an event. Two boring minutes a day beats the two-hour sit-down you both keep postponing. When a real decision comes up you’re already caught up, so you talk about the decision instead of catching up.
- A missed day isn’t a failure. Your shared streak has grace built in. One of you has a rough week and it holds. This shouldn’t become one more thing to let each other down about.
One subscription covers you both — about $2.50 each a month. And your partner doesn’t have to be on board today: start on your own and invite them whenever you’re ready.
SimpleFi for couples →The parts you’re skeptical about
Answered straight, including where the answer isn’t flattering.
“I’ve quit every money app I’ve tried.”
Most people have. Those apps ask you to maintain something — categories, budgets, rules — and maintenance is the part everyone quits. SimpleFi asks you to answer a few questions and nothing else. There’s nothing to keep tidy and nothing to fall behind on.
And if you do miss a day: your personal streak resets. That’s the honest answer — it does reset. Nothing else does. Your accounts, your history and your net worth line are exactly where you left them, and what the app says when you come back is “You checked in today. That’s the whole job right now.”
“Isn’t typing it in less accurate?”
Slightly, and it doesn’t matter. You’re not filing taxes — you’re building a sense of where you stand. Being within a few dollars every day beats being exact once a quarter, and entering it yourself is what makes the number stick. For recurring bills that move month to month, you enter your own estimate and SimpleFi labels it as one.
“Why not just use a spreadsheet?”
A spreadsheet is good at holding a list and bad at getting updated. It doesn’t ask you anything, it doesn’t prompt your partner, and it has no opinion about whether you’ve opened it — which is usually why the last edit is from March. SimpleFi holds the same numbers and adds the part a spreadsheet can’t.
“Is it really only two minutes?”
Depends on the day. It’s one tap for how you’re feeling, then a card for each account — and on most days most of those cards get “not today” or never get touched at all, which counts as nothing happened. The days you actually spent something take longer than the days you didn’t.
“What if my partner won’t do it?”
Start on your own — you get the benefit either way — and invite them when you’re ready. They pick up the picture you’ve already built, which is a far smaller ask than starting a system together. More on how couples use it →
A note from the person who built it
I built SimpleFi for my wife and me.
Not all of our money sits in joint accounts, so we spent a lot of time asking each other the same question: what’s the balance on that one? It sounds like a small thing. It wasn’t. Neither of us could see the whole picture without interrupting the other to ask, and neither of us could have told you our net worth or what our investments were actually worth.
We tried the usual fixes — budgeting apps, an envelope system, more than one spreadsheet. None of them survived contact with our actual life. The apps that link to your bank were the worst of it: they’re accurate, they’re automatic, and that is exactly why you stop opening them. Nothing is ever asked of you, so you drift. A month later you have a flawless record of a month you weren’t paying attention to.
The one thing that did work was a single sheet of paper with our recurring spending written on it. SimpleFi started as that sheet of paper, plus two minutes a day to keep it honest.
Now we both tend to it. We can see the accounts we don’t share, where our money is actually going, and — for the first time — what the two of us are worth together.
That’s the whole reason this exists. It’s $4.99 because that’s roughly what it costs to run: hosting, database, email. No ads, nothing sold on. And when you email support, you get me.
Start feeling good about your money.
Two minutes a day. No bank linking. No budgeting. Just you and your money, every day, until knowing where you stand becomes second nature.
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