Every personal finance tool—from Quicken to Mint—focuses on managing transactions.  And if there is one thing we all have, it’s lots and lots of transactions.  The problem with focusing on transactions is that it’s easy to get lost in the details and miss the bigger picture.  SimpliFi starts with the big picture (your current status and future goals) and uses that to identify specific steps you should take.  Goal-oriented, rather than transaction-oriented.