Overview
If the balance in Quicken Simplifi doesn't match the balance shown on your bank's website, don't worry. This can happen for several reasons, such as pending transactions, syncing delays, or the way your financial institution shares account data.
Quicken Simplifi lets you choose how your account balance is displayed by offering two balance options:
Balance with Pending: Displays your balance including both cleared and pending transactions, including downloaded transactions and manually entered transactions dated today or earlier.
Bank Balance: Displays the balance provided by your financial institution. Depending on the bank, this balance may or may not include pending transactions.
Note: When using Bank Balance, the balance shown for connected accounts is based entirely on the balance reported by your financial institution, not on the individual transactions in the account.
Note: Although Quicken Simplifi works to display the latest account information, it can take 4–6 hours after pending transactions appear on your bank’s website for them to be reflected in Quicken Simplifi.
Exclude Pending Transactions for All Accounts
If you don't want pending transactions included in your balance—or if your bank already includes them and they're being counted twice—you can turn off this feature for all of your accounts.
Instructions for Web App:
Click the three-dot menu in the upper-right corner of the Accounts List.
Select Bank Balance.
Wait 4–6 hours for the next successful refresh for the change to take effect.
Instructions for the Mobile App:
Tap the Menu (three-line icon).
Select Accounts.
Tap the three-dot menu in the upper-right corner of the Accounts list.
Select Bank balance to stop Quicken Simplifi from including pending transactions in the balance for all accounts.
Wait 4-6 hours for the next successful refresh for the change to take effect.
Exclude Pending Transactions for a Single Account
If you only want to prevent pending transactions from being included for a specific account, you can disable this feature on an individual account basis.
Click the Settings (gear) icon in the upper-right corner.
Select Accounts.
Find the account you want to update, then click the three-dot menu next to it.
Select Edit account.
Select Advanced Options.
Under Balance Resolution, select Does not include them in Balance (Default).
Click Update.
Wait 4–6 hours for the next successful refresh for the change to 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 the balance for a connected account in Quicken Simplifi doesn’t match the balance shown by your financial institution, it’s usually due to one of two reasons:
Pending transactions.
An incorrect balance downloaded from your financial institution.
Pending Transactions:
If Quicken Simplifi is set to include pending transactions, both downloaded and manually entered pending transactions will be included in your account balance.
It can take 4–6 hours for pending transactions to appear in Quicken Simplifi after they are posted on your financial institution’s website. Some financial institutions do not support downloading pending transactions. In those cases, transactions will typically appear in Quicken Simplifi 4–6 hours after they have cleared.
Resolve Balance Discrepancy for Pending Transactions
If you see transactions marked as pending in Quicken Simplifi that have already cleared with your financial institution, try manually refreshing your accounts to update the transaction status.
Web App: Hover over the left sidebar and click the Refresh icon.
Mobile App: Tap the Refresh icon in the upper-right corner of the Dashboard.
If a transaction remains pending after it has cleared at your financial institution, Quicken Simplifi may not have matched it to the cleared version. Check your Transaction Activity for a duplicate cleared transaction. If you find one, you can safely delete the pending transaction.
Please see our support article on deleting transactions for detailed steps.
Incorrectly Downloaded Balance
Most financial institutions report a balance that does not include pending transactions. However, if your financial institution includes pending transactions in its reported balance and Quicken Simplifi is also set to include them, they may be counted twice, resulting in a balance discrepancy.
Resolve Discrepancy from an Incorrectly Downloaded Balance
If the balance downloaded from your financial institution appears incorrect, it may be due to how the institution reports account balances and pending transactions. Quicken Simplifi displays the balance exactly as it is provided by your financial institution. Because some financial institutions include pending transactions in the reported balance and others do not—and some download pending transactions while others don't—the balance shown in Quicken Simplifi may vary.
To better match the balance shown on your financial institution’s website, you can switch between Bank Balance and Balance with Pending in your account settings. For instructions, see the Exclude Pending Transactions section above.
Balance Discrepancies with Manual Accounts
For manual accounts, Quicken Simplifi calculates the balance using all entered transactions, regardless of their status. If the balance appears incorrect and you believe transactions are missing, see our support article on troubleshooting missing transactions.
If all transactions are present but your manual account balance is still incorrect, you can use the Re-sync Balance option at the top of the account. This recalculates the balance using the total of all transactions in the account and may resolve the discrepancy.
If you have any questions or need help with your balance in Simplifi, our support team is here to help.