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 any account with a payment due today always surfaces first.
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?
- Investments — Contribution, withdrawal, or balance change?
- Cash — What’s your balance right now?
Untouched cards mean “nothing today” — no skip button needed. Logged cards visually separate from the stack.
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.
Built for couples, not just individuals
Partners log independently, on their own schedule. The household sees a shared snapshot. Dual streaks — a solo streak and a couples streak — track consistency together without the pressure of perfect synchronization.
One partner misses a day? The couples streak gives you some breathing room. Managing money together isn’t always perfectly in sync — SimpleFi gets that.
Start your free trial →Get set up in minutes
Getting started is a simple checklist, not a long setup process. Add your accounts at your own pace, in any order — cash first, then debt, then investments. 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.