Bills AI

Bills AI vs Simplifi by Quicken
AI Insights vs Manual Tracking

Simplifi tracks transactions. Bills AI uses advanced AI to find hidden money leaks and patterns you'd miss manually.

Try Bills AI Free

AI-Powered Money Leak Detection

Bills AI automatically finds $120-350/month in hidden spending. Simplifi requires you to manually review and categorize transactions.

  • Finds subscription overlaps
  • Detects spending patterns
  • Instant actionable insights

Privacy-First Approach

Upload statements instead of linking bank accounts. Simplifi (owned by Quicken/Intuit) requires bank access like Mint did.

  • No bank credentials needed
  • Upload only what you want analyzed
  • Your data stays private

Bills AI

from $5/month
  • AI finds hidden money leaks
  • Instant analysis (30 seconds)
  • No bank linking required
  • Free plan available — no card required
Start Free — No Card Required

Simplifi by Quicken

$5.99/month
  • Basic transaction tracking
  • Manual categorization
  • Requires bank linking (privacy risk)
  • No AI insights

Why Choose Bills AI Over Simplifi?

AI Finds What Manual Review Misses

Simplifi shows transactions, you review them. Bills AI's GPT-4 analysis finds $120-350/month in hidden leaks automatically — and starts at just $5/mo with a forever-free plan.

Privacy Without Compromise

Simplifi is owned by Intuit (same company that owned Mint). Bills AI is independent and privacy-first - never selling your data or requiring bank access.

What the comparison helps you evaluate

Review the Same Statement Three Ways

Compare Bills AI on its workflow, evidence, and privacy model—not unsupported ratings or savings claims.

Bills AI groups recurring charges from the uploaded statement so you can decide which services are still useful.

Charges grouped for review
Review subscriptions
Recurring-charge analysis

Fee transactions are highlighted in context, making each result easy to verify against the original statement.

Fees surfaced with context
Inspect fees
Transaction-level evidence

Category summaries turn a long statement into a smaller set of spending decisions without requiring a live bank connection.

Patterns ready to inspect
Compare patterns
Category-level summary

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Free plan: 1 statement/month • No credit card required