The daily habit loop
Two minutes a day.
Here’s what that looks like.
SimpleFi isn’t a dashboard you check when you remember to. It’s a two-minute daily practice — three steps, every day, until financial clarity becomes second nature.
Mood check-in
Before you see any numbers, SimpleFi asks how you’re feeling about your finances right now — on a scale of 1 to 5.
This isn’t just a feel-good question. Checking in on how you’re feeling before you see any numbers means you get an honest read — not a reaction to whatever the balance happens to be today.
Over time, the gap between how you feel and how you’re actually doing becomes its own insight.
Account cards
Your accounts are arranged as a physical card stack — most relevant on top. SimpleFi bubbles your most-used accounts to the top automatically, and anything with a payment or bill due today surfaces near the top.
Tap a card to open it. SimpleFi asks only what’s relevant for that account type:
- Checking — Did you spend? Receive anything?
- Savings — Transfer out or deposit?
- Credit card — Any purchases? Did you make a payment?
- Loans / Mortgage — Payment made? Any extra toward principal?
- Cash — What’s your balance right now?
Untouched cards mean “nothing today” — no skip button needed. Logged cards visually separate from the stack.
Investments and property stay out of the daily flow — their values don’t change because of anything you did today. Update those whenever you like, straight from your dashboard.
Celebrate the wins that matter
Certain actions trigger a brief celebratory overlay — a debt payment, a savings deposit, an investment contribution. It auto-dismisses in seconds. It’s never preachy. It’s just a moment of honest acknowledgment.
Today’s picture
When you’re done, SimpleFi shows your complete financial snapshot — net worth, cash, debt, assets — plus how things changed from yesterday. No clutter. Just what matters.
Your streak updates. Your mood is logged. SimpleFi tells you something honest and human — not a generic "Great job!" but something calibrated to where you actually are.
Then you close the app and go live your life. That’s it.
How it works when there are two of you
You each log on your own — your own sign-in, your own moment in the day. Neither of you waits for the other, and neither of you has to remind the other. What you share is the picture: one household snapshot you’re both looking at, current as of today.
You’ll each keep your own streak, plus a shared one for the household. The shared streak has grace days built in, so a rough week for one of you doesn’t erase what you’ve built together.
And you don’t have to start together. Set it up on your own, log for a week, then send an invite when you’re ready — your partner picks up the same picture from wherever it’s at.
Start your free trial →Get set up in minutes
Getting started is a simple checklist, not a long setup process. You’ll work through it in three easy stages — cash first, then debt, then the big picture — at whatever pace suits you. Partners can each fill in their own sections whenever works for them.
No starting balance to research. Just enter what your accounts look like today, and SimpleFi starts building your picture from right now.
Completing onboarding is Day 1 of your streak.