Overview
Seeing a different balance in Quicken Simplifi than what’s shown on your bank’s website? You’re not alone—this is a common issue that can happen for a few reasons, like pending transactions, sync delays, or how your bank shares data.
Quicken Simplifi gives you control by offering two options to view your account balance:
Balance with Pending – shows cleared and pending transactions—both manual (dated today or earlier) and those that were downloaded—in your balance.
Bank Balance – shows your exact bank balance, which may or may not include pending transactions (varies from each financial institution).
Note: When using Bank Balance, only downloaded transactions are considered when calculating the balances of your connected accounts. Manually entered transactions, even if marked as Cleared, will not affect those balances.
Note: While we work hard to ensure that we display the most up-to-date information, it can take 4-6 hours after appearing on your bank's website before pending transactions appear in Quicken Simplifi.
Exclude Pending Transactions from the Balance for All Accounts
If you prefer not to include pending transactions in your balance—or if your bank already does and Quicken Simplifi is double-counting—you can easily disable this feature for all your accounts.
Instructions for Web:
Click the three dots to the upper right of the Accounts List.
Select Bank Balance.
Wait 4-6 hours for the next successful refresh to see the change take effect.
Instructions for Mobile:
Tap the Menu (three-line icon).
Select Accounts.
Tap the three dots to the upper right of the Accounts List.
Select Bank balance to disable Quicken Simplifi from counting pending transactions for all accounts.
Wait 4-6 hours for the next successful refresh to see the change take effect.
Exclude Pending Transactions from the Balance for a Single Account
To avoid double-counting pending transactions in your balance, you can also disable this feature for individual accounts.
Hover over the left panel and click Settings.
Select Accounts.
Locate the account you wish to disable pending transactions for and click the three dots at the end of it.
Select Edit account.
In the Balance type dropdown, select Bank balance (Default) for this single account.
Click Update.
Wait 4-6 hours for the next successful refresh to see the change take effect.
Note: The mobile app doesn't currently let you exclude pending transactions for individual accounts. Use the instructions for the web app instead.
Troubleshooting Balance Discrepancies
If you notice a difference between your bank balance and the balance Quicken Simplifi shows for a connected account, there may be two possible causes:
Pending transactions or
Incorrectly downloaded balance.
Pending Transactions:
If Quicken Simplifi is set to include pending transactions, both manual and downloaded pending items will be counted toward your balance.
It may take 4–6 hours for pending transactions to appear in Quicken Simplifi after they show up on your bank’s website.
Some banks don’t support downloading pending transactions. For these banks, cleared transactions typically appear 4–6 hours after they clear with your bank.
How to Resolve Balance Discrepancy for Pending Transactions
If you notice pending transactions in Quicken Simplifi that have already cleared with your bank, try manually refreshing your accounts in Quicken Simplifi.
Web App: Hover over the left panel and click the refresh icon.
Mobile App: Click on the refresh icon in the upper right of the Dashboard.
If a pending transaction remains, Quicken Simplifi may not have matched it to the cleared version. Check your Transaction Activity for a duplicate cleared transaction. If found, we recommend deleting the pending one.
Please see our support article on deleting transactions for detailed steps.
Incorrectly Downloaded Balance:
Most banks provide a balance that excludes pending transactions. However, if your bank includes them and Quicken Simplifi is also set to count pending transactions, they may be double-counted—leading to a balance discrepancy.
How to Resolve a Discrepancy from an Incorrectly Downloaded Balance
If the balance downloaded from your bank looks incorrect, it may be due to how your bank includes pending transactions. Some banks count pending transactions in the balance they report, while others don’t.
Quicken Simplifi downloads the balance exactly as your bank provides it. Additionally, some banks may download pending transactions to Quicken Simplifi, while others do not. This can affect how your balance appears.
To better match what you see on your bank’s website, you can switch between Bank Balance and Balance with Pending in your account settings. If you need a refresher on how to do this, see the "Exclude Pending Transactions" section above.
Balance Discrepancies with Manual Accounts
For manual accounts, Quicken Simplifi calculates the balance based on the sum of all entered transactions—regardless of status. If your manual account balance seems incorrect and you think transactions are missing, please consult our support article on troubleshooting missing transactions.
If you have any questions or need assistance with your balances in Quicken Simplifi, please don't hesitate to reach out to our support team!