finops:
  description: >-
    Financial operations summary for Simplifi by Quicken. Simplifi is a
    consumer subscription product with no metered API billing or usage-based
    pricing. All cost exposure is through annual subscription fees. There are
    no API call charges, data egress fees, or overage costs.
  url: https://www.quicken.com/products/pricing-comparison-products/

  subscriptions:
    - tier: Simplifi by Quicken
      billingModel: annual-subscription
      monthlyEquivalent: "$2.99/month"
      annualCost: "$35.88/year"
      listPrice: "$5.99/month ($71.88/year)"
      trialDays: 30
      notes: >-
        Single flat-rate subscription covering all personal finance features.
        No per-seat pricing, no usage tiers, no API metering.

    - tier: Quicken Business and Personal
      billingModel: annual-subscription
      monthlyEquivalent: "$3.99/month"
      annualCost: "$47.88/year"
      listPrice: "$7.99/month ($95.88/year)"
      trialDays: 30
      notes: >-
        Includes all Simplifi features plus business tools. Flat annual rate
        with no usage-based billing.

  costDrivers:
    - name: Subscription Fee
      type: fixed
      description: >-
        The only cost is the annual subscription. No variable costs based on
        accounts connected, transactions processed, or data accessed.

  savingsOpportunities:
    - name: Annual Billing Discount
      description: >-
        Subscribing annually versus monthly provides approximately a 50%
        discount relative to the standard monthly list price.
      potentialSaving: "~50% vs list price"

    - name: Free Trial
      description: >-
        30-day risk-free trial allows evaluation before committing to an
        annual subscription.
      trialDays: 30

  apiCosts:
    description: >-
      Simplifi by Quicken does not offer a public developer API. There are no
      API key tiers, call-based pricing, or usage quotas. All platform access
      is through the consumer web and mobile applications under the flat
      subscription model.
    publicApi: false
    meterBilling: false
    usageQuotas: false