diff --git a/app/models/family/simplefin_connectable.rb b/app/models/family/simplefin_connectable.rb
new file mode 100644
index 000000000..2c48eca8e
--- /dev/null
+++ b/app/models/family/simplefin_connectable.rb
@@ -0,0 +1,25 @@
+module Family::SimplefinConnectable
+  extend ActiveSupport::Concern
+
+  included do
+    has_many :simplefin_items, dependent: :destroy
+  end
+
+  def can_connect_simplefin?
+    true # SimpleFin doesn't have regional restrictions like Plaid
+  end
+
+  def create_simplefin_item!(setup_token:, item_name: nil)
+    simplefin_provider = Provider::Simplefin.new
+    access_url = simplefin_provider.claim_access_url(setup_token)
+
+    simplefin_item = simplefin_items.create!(
+      name: item_name || "SimpleFin Connection",
+      access_url: access_url
+    )
+
+    simplefin_item.sync_later
+
+    simplefin_item
+  end
+end
diff --git a/app/models/provider/simplefin.rb b/app/models/provider/simplefin.rb
new file mode 100644
index 000000000..f9280511c
--- /dev/null
+++ b/app/models/provider/simplefin.rb
@@ -0,0 +1,89 @@
+class Provider::Simplefin
+  include HTTParty
+
+  headers "User-Agent" => "Maybe Finance SimpleFin Client"
+
+  def initialize
+    self.class.default_options.merge!(verify: true, ssl_verify_mode: :peer)
+  end
+
+  def claim_access_url(setup_token)
+    # Decode the base64 setup token to get the claim URL
+    claim_url = Base64.decode64(setup_token)
+
+    response = HTTParty.post(claim_url, {
+      headers: {
+        "User-Agent" => "Maybe Finance SimpleFin Client"
+      },
+      verify: true,
+      ssl_verify_mode: :peer
+    })
+
+    case response.code
+    when 200
+      # The response body contains the access URL with embedded credentials
+      response.body.strip
+    when 403
+      raise SimplefinError.new("Setup token may be compromised, expired, or already used", :token_compromised)
+    else
+      raise SimplefinError.new("Failed to claim access URL: #{response.code} #{response.message}", :claim_failed)
+    end
+  end
+
+  def get_accounts(access_url, start_date: nil, end_date: nil, pending: nil)
+    # Build query parameters
+    query_params = {}
+    query_params["start-date"] = start_date.strftime("%Y-%m-%d") if start_date
+    query_params["end-date"] = end_date.strftime("%Y-%m-%d") if end_date
+    query_params["pending"] = pending ? "1" : "0" unless pending.nil?
+
+    accounts_url = "#{access_url}/accounts"
+    accounts_url += "?#{URI.encode_www_form(query_params)}" unless query_params.empty?
+
+    # The access URL already contains HTTP Basic Auth credentials
+    response = HTTParty.get(accounts_url, {
+      headers: {
+        "User-Agent" => "Maybe Finance SimpleFin Client"
+      },
+      verify: true,
+      ssl_verify_mode: :peer
+    })
+
+    case response.code
+    when 200
+      JSON.parse(response.body, symbolize_names: true)
+    when 403
+      raise SimplefinError.new("Access URL is no longer valid", :access_forbidden)
+    when 402
+      raise SimplefinError.new("Payment required to access this account", :payment_required)
+    else
+      raise SimplefinError.new("Failed to fetch accounts: #{response.code} #{response.message}", :fetch_failed)
+    end
+  end
+
+  def get_info(base_url)
+    response = HTTParty.get("#{base_url}/info", {
+      headers: {
+        "User-Agent" => "Maybe Finance SimpleFin Client"
+      },
+      verify: true,
+      ssl_verify_mode: :peer
+    })
+
+    case response.code
+    when 200
+      response.body.strip.split("\n")
+    else
+      raise SimplefinError.new("Failed to get server info: #{response.code} #{response.message}", :info_failed)
+    end
+  end
+
+  class SimplefinError < StandardError
+    attr_reader :error_type
+
+    def initialize(message, error_type = :unknown)
+      super(message)
+      @error_type = error_type
+    end
+  end
+end
diff --git a/app/models/provider/simplefin/demo.rb b/app/models/provider/simplefin/demo.rb
new file mode 100644
index 000000000..81815c933
--- /dev/null
+++ b/app/models/provider/simplefin/demo.rb
@@ -0,0 +1,34 @@
+class Provider::Simplefin::Demo
+  # Demo setup token from SimpleFin documentation
+  DEMO_TOKEN = "aHR0cHM6Ly9icmlkZ2Uuc2ltcGxlZmluLm9yZy9zaW1wbGVmaW4vY2xhaW0vZGVtbw=="
+
+  def self.test_connection
+    provider = Provider::Simplefin.new
+
+    begin
+      # Claim the demo token
+      access_url = provider.claim_access_url(DEMO_TOKEN)
+      puts "✓ Successfully claimed access URL: #{access_url[0..50]}..."
+
+      # Get account data
+      accounts_data = provider.get_accounts(access_url)
+      puts "✓ Successfully retrieved accounts data"
+      puts "  - Accounts count: #{accounts_data[:accounts]&.count || 0}"
+      puts "  - Errors: #{accounts_data[:errors] || 'None'}"
+
+      if accounts_data[:accounts]&.any?
+        account = accounts_data[:accounts].first
+        puts "  - First account: #{account[:name]} (#{account[:currency]}) - Balance: #{account[:balance]}"
+        puts "  - Transactions: #{account[:transactions]&.count || 0}"
+      end
+
+      true
+    rescue Provider::Simplefin::SimplefinError => e
+      puts "✗ SimpleFin error: #{e.message} (#{e.error_type})"
+      false
+    rescue => e
+      puts "✗ Unexpected error: #{e.message}"
+      false
+    end
+  end
+end
diff --git a/app/models/simplefin_account.rb b/app/models/simplefin_account.rb
new file mode 100644
index 000000000..a84e64c99
--- /dev/null
+++ b/app/models/simplefin_account.rb
@@ -0,0 +1,66 @@
+class SimplefinAccount < ApplicationRecord
+  belongs_to :simplefin_item
+
+  has_one :account, dependent: :destroy
+
+  validates :name, :account_type, :currency, presence: true
+  validate :has_balance
+
+  def upsert_simplefin_snapshot!(account_snapshot)
+    # Map SimpleFin field names to our field names
+    assign_attributes(
+      current_balance: parse_balance(account_snapshot[:balance]),
+      available_balance: parse_balance(account_snapshot[:"available-balance"]),
+      currency: parse_currency(account_snapshot[:currency]),
+      account_type: account_snapshot[:type] || "unknown",
+      account_subtype: account_snapshot[:subtype],
+      name: account_snapshot[:name],
+      account_id: account_snapshot[:id],
+      raw_payload: account_snapshot
+    )
+
+    save!
+  end
+
+  def upsert_simplefin_transactions_snapshot!(transactions_snapshot)
+    assign_attributes(
+      raw_transactions_payload: transactions_snapshot
+    )
+
+    save!
+  end
+
+  private
+
+    def parse_balance(balance_value)
+      return nil if balance_value.nil?
+
+      case balance_value
+      when String
+        BigDecimal(balance_value)
+      when Numeric
+        BigDecimal(balance_value.to_s)
+      else
+        nil
+      end
+    rescue ArgumentError
+      nil
+    end
+
+    def parse_currency(currency_value)
+      return "USD" if currency_value.nil?
+
+      # SimpleFin currency can be a 3-letter code or a URL for custom currencies
+      if currency_value.start_with?("http")
+        # For custom currency URLs, we'll just use the last part as currency code
+        # This is a simplification - in production you might want to fetch the currency info
+        URI.parse(currency_value).path.split("/").last.upcase rescue "USD"
+      else
+        currency_value.upcase
+      end
+    end
+    def has_balance
+      return if current_balance.present? || available_balance.present?
+      errors.add(:base, "SimpleFin account must have either current or available balance")
+    end
+end
diff --git a/app/models/simplefin_account/processor.rb b/app/models/simplefin_account/processor.rb
new file mode 100644
index 000000000..39ec66110
--- /dev/null
+++ b/app/models/simplefin_account/processor.rb
@@ -0,0 +1,84 @@
+class SimplefinAccount::Processor
+  attr_reader :simplefin_account
+
+  def initialize(simplefin_account)
+    @simplefin_account = simplefin_account
+  end
+
+  def process
+    ensure_account_exists
+    process_transactions
+  end
+
+  private
+
+    def ensure_account_exists
+      return if simplefin_account.account.present?
+
+      account = Account.create_from_simplefin_account(simplefin_account)
+      simplefin_account.update!(account: account)
+    end
+
+    def process_transactions
+      return unless simplefin_account.raw_transactions_payload.present?
+
+      account = simplefin_account.account
+      transactions_data = simplefin_account.raw_transactions_payload
+
+      transactions_data.each do |transaction_data|
+        process_transaction(account, transaction_data)
+      end
+    end
+
+    def process_transaction(account, transaction_data)
+      # Convert SimpleFin transaction to internal Transaction format
+      amount_cents = parse_amount(transaction_data[:amount], account.currency)
+      posted_date = parse_date(transaction_data[:posted])
+
+      transaction_attributes = {
+        account: account,
+        name: transaction_data[:description] || "Unknown transaction",
+        amount: Money.new(amount_cents, account.currency),
+        date: posted_date,
+        currency: account.currency,
+        raw_data: transaction_data
+      }
+
+      # Use external ID to prevent duplicates
+      external_id = "simplefin_#{transaction_data[:id]}"
+
+      Transaction.find_or_create_by(external_id: external_id) do |transaction|
+        transaction.assign_attributes(transaction_attributes)
+      end
+    rescue => e
+      Rails.logger.error("Failed to process SimpleFin transaction #{transaction_data[:id]}: #{e.message}")
+      # Don't fail the entire sync for one bad transaction
+    end
+
+    def parse_amount(amount_value, currency)
+      case amount_value
+      when String
+        (BigDecimal(amount_value) * 100).to_i
+      when Numeric
+        (amount_value * 100).to_i
+      else
+        0
+      end
+    rescue ArgumentError
+      0
+    end
+
+    def parse_date(date_value)
+      case date_value
+      when String
+        Date.parse(date_value)
+      when Integer
+        # Unix timestamp
+        Time.at(date_value).to_date
+      else
+        Date.current
+      end
+    rescue ArgumentError, TypeError
+      Date.current
+    end
+end
diff --git a/app/models/simplefin_item.rb b/app/models/simplefin_item.rb
new file mode 100644
index 000000000..c896438cc
--- /dev/null
+++ b/app/models/simplefin_item.rb
@@ -0,0 +1,76 @@
+class SimplefinItem < ApplicationRecord
+  include Syncable, Provided
+
+  enum :status, { good: "good", requires_update: "requires_update" }, default: :good
+
+  # Virtual attribute for the setup token form field
+  attr_accessor :setup_token
+
+  if Rails.application.credentials.active_record_encryption.present?
+    encrypts :access_url, deterministic: true
+  end
+
+  validates :name, :access_url, presence: true
+
+  before_destroy :remove_simplefin_item
+
+  belongs_to :family
+  has_one_attached :logo
+
+  has_many :simplefin_accounts, dependent: :destroy
+  has_many :accounts, through: :simplefin_accounts
+
+  scope :active, -> { where(scheduled_for_deletion: false) }
+  scope :ordered, -> { order(created_at: :desc) }
+  scope :needs_update, -> { where(status: :requires_update) }
+
+  def destroy_later
+    update!(scheduled_for_deletion: true)
+    DestroyJob.perform_later(self)
+  end
+
+  def import_latest_simplefin_data
+    SimplefinItem::Importer.new(self, simplefin_provider: simplefin_provider).import
+  end
+
+  def process_accounts
+    simplefin_accounts.each do |simplefin_account|
+      SimplefinAccount::Processor.new(simplefin_account).process
+    end
+  end
+
+  def schedule_account_syncs(parent_sync: nil, window_start_date: nil, window_end_date: nil)
+    accounts.each do |account|
+      account.sync_later(
+        parent_sync: parent_sync,
+        window_start_date: window_start_date,
+        window_end_date: window_end_date
+      )
+    end
+  end
+
+  def upsert_simplefin_snapshot!(accounts_snapshot)
+    assign_attributes(
+      raw_payload: accounts_snapshot,
+    )
+
+    save!
+  end
+
+  def upsert_simplefin_institution_snapshot!(institution_snapshot)
+    assign_attributes(
+      institution_id: institution_snapshot[:id],
+      institution_name: institution_snapshot[:name],
+      institution_url: institution_snapshot[:url],
+      raw_institution_payload: institution_snapshot
+    )
+
+    save!
+  end
+
+  private
+    def remove_simplefin_item
+      # SimpleFin doesn't require server-side cleanup like Plaid
+      # The access URL just becomes inactive
+    end
+end
diff --git a/app/models/simplefin_item/importer.rb b/app/models/simplefin_item/importer.rb
new file mode 100644
index 000000000..a36b41e7f
--- /dev/null
+++ b/app/models/simplefin_item/importer.rb
@@ -0,0 +1,75 @@
+class SimplefinItem::Importer
+  attr_reader :simplefin_item, :simplefin_provider
+
+  def initialize(simplefin_item, simplefin_provider:)
+    @simplefin_item = simplefin_item
+    @simplefin_provider = simplefin_provider
+  end
+
+  def import
+    accounts_data = simplefin_provider.get_accounts(simplefin_item.access_url)
+
+    # Handle errors if present
+    if accounts_data[:errors] && accounts_data[:errors].any?
+      handle_errors(accounts_data[:errors])
+      return
+    end
+
+    # Store raw payload
+    simplefin_item.upsert_simplefin_snapshot!(accounts_data)
+
+    # Import accounts - accounts_data[:accounts] is an array
+    accounts_data[:accounts]&.each do |account_data|
+      import_account(account_data)
+    end
+  end
+
+  private
+
+    def import_account(account_data)
+      # Import organization data from the account if present and not already imported
+      if account_data[:org] && simplefin_item.institution_id.blank?
+        import_organization(account_data[:org])
+      end
+
+      simplefin_account = simplefin_item.simplefin_accounts.find_or_initialize_by(
+        account_id: account_data[:id]
+      )
+
+      simplefin_account.upsert_simplefin_snapshot!(account_data)
+
+      # Import transactions if present
+      if account_data[:transactions] && account_data[:transactions].any?
+        simplefin_account.upsert_simplefin_transactions_snapshot!(account_data[:transactions])
+      end
+    end
+
+    def import_organization(org_data)
+      simplefin_item.upsert_simplefin_institution_snapshot!({
+        id: org_data[:domain] || org_data[:"sfin-url"],
+        name: org_data[:name] || extract_domain_name(org_data[:domain]),
+        url: org_data[:domain] || org_data[:"sfin-url"]
+      })
+    end
+
+    def extract_domain_name(domain)
+      return "Unknown Institution" if domain.blank?
+
+      # Extract a readable name from domain like "mybank.com" -> "Mybank"
+      domain.split(".").first.capitalize
+    end
+
+    def handle_errors(errors)
+      error_messages = errors.map { |error| error[:description] || error[:message] }.join(", ")
+
+      # Mark item as requiring update for certain error types
+      if errors.any? { |error| error[:code] == "auth_failure" || error[:code] == "token_expired" }
+        simplefin_item.update!(status: :requires_update)
+      end
+
+      raise Provider::Simplefin::SimplefinError.new(
+        "SimpleFin API errors: #{error_messages}",
+        :api_error
+      )
+    end
+end
diff --git a/app/models/simplefin_item/provided.rb b/app/models/simplefin_item/provided.rb
new file mode 100644
index 000000000..570571af9
--- /dev/null
+++ b/app/models/simplefin_item/provided.rb
@@ -0,0 +1,7 @@
+module SimplefinItem::Provided
+  extend ActiveSupport::Concern
+
+  def simplefin_provider
+    @simplefin_provider ||= Provider::Simplefin.new
+  end
+end
\ No newline at end of file
diff --git a/app/models/simplefin_item/sync_complete_event.rb b/app/models/simplefin_item/sync_complete_event.rb
new file mode 100644
index 000000000..315e89946
--- /dev/null
+++ b/app/models/simplefin_item/sync_complete_event.rb
@@ -0,0 +1,25 @@
+class SimplefinItem::SyncCompleteEvent
+  attr_reader :simplefin_item
+
+  def initialize(simplefin_item)
+    @simplefin_item = simplefin_item
+  end
+
+  def broadcast
+    # Update UI with latest account data
+    simplefin_item.accounts.each do |account|
+      account.broadcast_sync_complete
+    end
+
+    # Update the SimpleFin item view
+    simplefin_item.broadcast_replace_to(
+      simplefin_item.family,
+      target: "simplefin_item_#{simplefin_item.id}",
+      partial: "simplefin_items/simplefin_item",
+      locals: { simplefin_item: simplefin_item }
+    )
+
+    # Let family handle sync notifications
+    simplefin_item.family.broadcast_sync_complete
+  end
+end
diff --git a/app/models/simplefin_item/syncer.rb b/app/models/simplefin_item/syncer.rb
new file mode 100644
index 000000000..3243e14f5
--- /dev/null
+++ b/app/models/simplefin_item/syncer.rb
@@ -0,0 +1,33 @@
+class SimplefinItem::Syncer
+  attr_reader :simplefin_item
+
+  def initialize(simplefin_item)
+    @simplefin_item = simplefin_item
+  end
+
+  def perform_sync(sync)
+    # Loads item metadata, accounts, transactions from SimpleFin API
+    simplefin_item.import_latest_simplefin_data
+
+    # Check if this is the first sync and we have new accounts to set up
+    if simplefin_item.accounts.empty? && simplefin_item.simplefin_accounts.any?
+      # Mark as pending account setup so user can choose account types
+      simplefin_item.update!(pending_account_setup: true)
+      return
+    end
+
+    # Processes the raw SimpleFin data and updates internal domain objects
+    simplefin_item.process_accounts
+
+    # All data is synced, so we can now run an account sync to calculate historical balances and more
+    simplefin_item.schedule_account_syncs(
+      parent_sync: sync,
+      window_start_date: sync.window_start_date,
+      window_end_date: sync.window_end_date
+    )
+  end
+
+  def perform_post_sync
+    # no-op
+  end
+end