Bank, budget and earn 25x the national average.

How Simple 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.

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 a trip to Japan and buying that new bike.

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.

Build your savings without even trying.

Turn on Round-up Rules and start saving up effortlessly. Whenever you make a purchase, Simple will round up what you spend to the next whole dollar amount. When the “change” from those transactions reaches or exceeds $5, Simple transfers it to your Protected Goals Account — so easy you won’t even feel it. It’s like a digital change jar... one that adds up to real money in the bank.

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.