How it works.
Put money in your account
Either by direct-depositing your paycheck or transfering from another bank.
We’ll help you divvy things up
Making sure your Expenses and Goals are covered, automatically.
So you can spend with certainty
Knowing exactly how much of your total balance is Safe-to-Spend®.
Always know what's Safe-to-Spend®.
Make smart spending decisions on the spot. Our budgeting tool does the 'can-I-buy-this?' math for you, setting aside enough money every month to cover your Expenses and Goals.
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Make plans for what to do, not what’s due.
Set up your recurring expenses (think power bill, cable, internet) in our app, and we'll do the work of saving for them each month. When you know your bills are covered, you can focus on the fun parts of having money—like saving for Japan and buying that new bike.
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Save toward your goals, automatically.
Goals make it easy to save for the things you want or want to do. There’s no need for spreadsheets or extra apps to budget and track your money. It’s right there inside your Simple checking account, growing bit-by-bit until you’re ready to spend.
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Keep track of your money at a glance.
Your transactions tell a story. Add photos and notes to better remember every purchase. And quickly search your account by merchant name, keyword, and hashtags to capture all your important (#freelance) and “important” (#carbparty) purchases.
A little a day goes a long way.
Traveling to Europe was a lifelong dream of Johnny’s. He used Simple to put a plan in place, and on a modest salary, saved $3,000. Once he landed, he never found himself questioning how much he could spend on a meal or experience. Read more about how he saved, and how Simple helped.
Best new update.
Being featured as one of the ‘Best New Updates’ and ‘App of the Week’ in the App Store was an awesome surprise for us, and just the digital pat on the back our engineers needed to keep building amazing new features to help you feel confident with your money. Full steam ahead!
The Finest Print: The rate is effective as of October 25, 2018, is variable, and subject to change after the account is opened. Accounts subject to approval. So long as you keep at least $2,000 in your Protected Goal Account (this is where your Savings Goal lives), you’ll earn 2.02% Annual Percentage Yield on your entire balance. Dip below and you’ll earn 0.01% APY on your entire balance.
1 Check it out for yourself (based on the October 1, 2018 National Rate): https://www.fdic.gov/regulations/resources/rates/