Expenses hero Wb hero mobile expenses

Expenses: A Built-in Bill Tracker

Discover automatic budgeting, right inside your checking account

Master money management

Spreadsheets, bill planners, expense apps, mental calculations at the cash register...budgeting used to take a lot of effort. With Expenses, we do the work for you—right inside your Simple Account. Just set up your budget once and leave the math to us.

Relax, your bills and essentials are covered

Just enter your monthly bills and living expenses, and we’ll automatically set aside the money you need. Knowing your necessities are covered means you can spend on the fun stuff without worry (thanks to Safe-to-Spend®).

Stay on track and in control

Sticking to your budget is easy because tracking your spending is automatic! Simple moves money into your Expenses when you get paid, then categorizes your purchases and updates your budget for you. If you ever get off track, we’ll let you know, and you can adjust your budget with the tap of a finger.

Setting up an Expense is easy

Share expenses? Share Expenses!

If you have joint expenses with anyone—a partner, roomie, co-parent, family member, or even your BFF—Simple Shared Accounts make budgeting for two easy and, dare we say, fun! You’ll both have your personal accounts, plus one to share where you can create (and crush) shared Expenses. Now, instead of bugging each other come bill time, you’ll be managing your money and staying on track together.

Start Sharing

Ready for better budgeting?

Learn how to build (and stick to!) a budget in your Simple Account with our complete Guide to Expenses.

What the Simple community is saying

Amazing...truly life changing for our family. It's so easy to plan for expenses using this app. We are actually able to keep to a budget and save money now. I can't recommend Simple enough.

Chad F.

Using Expenses has helped me so much! It makes budgeting a breeze and all I have to do is make sure the transactions on my account are categorized correctly.

Collin E.

Important! This account is for your personal use only

An increasing number of customers are being targeted by fraud scams. Before you apply, review these guidelines to help prevent you from being involved in fraudulent activity.

Do not open an account on behalf of someone else
If anyone asks you to open a Simple Account to receive funds, it is an attempt at fraud. Common fraud attempts include requesting that you open an account to receive a gift or bonus offer, obtain a job or job training, or help someone else receive funds (such as unemployment benefits).

Do not share your login or account information with anyone
Neither Simple nor any other legitimate institution will ever ask for your account information. If any third party requests your Simple Account login information, it is an attempt at fraud. Sharing your account information with another person or allowing someone else to use your account to receive funds is a violation of the Simple Deposit Account Agreement terms and conditions and can expose you to fraud.

Actions we may take if fraud is suspected

We take fraud and security very seriously at Simple, and take rapid action in the instance of suspected fraud attempts.

We may freeze and close accounts
We may freeze and close accounts if fraudulent activity is suspected, including the following circumstances:

We will report fraud attempts
We are responsible for reporting fraud attempts to authorities, including attempted unemployment fraud. There are state and federal penalties for unemployment insurance fraud (including potential fines and incarceration). If you suspect you are a victim of unemployment fraud, contact the appropriate state fraud hotline listed here.

I acknowledge that I have read this notice Continue Application