Track your money.
Save more of it.
A free budget tracker + 20 financial calculators + learning courses — built specifically for Canadians. Import your bank statements, see where every dollar goes, and get personalized tips to save money. No subscriptions. No data selling. Ever.
After tax
$3,400
+ $748 surplus
Rent
35%
Groceries
12%
Transit
8%
Fun
12%
Savings
22%
Debt
11%
Like Mint — but free,
private, and Canadian.
Mint shut down. Most budget trackers cost around $14/month — and many upload your statements to a server you don't control. We built a better alternative that's $0 forever and never uploads your data anywhere. Import your bank statements, and we auto-categorize every transaction. The system learns from your corrections.
Import credit card & bank statements (PDF or CSV)
See exactly where your money goes — donut charts, trends, insights
"Safe to spend" shows what's left after bills — like Mint's best feature
Your data never leaves your device. We literally can't see it.
Your spending this month
Safe to spend
$1,153
One site. Zero cost. Complete toolkit.
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Track Your Money
Import bank statements. See spending by category. Get alerts for hidden fees and subscriptions you forgot about.
Open Money Tracker
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20+ Calculators
Tax calculator, TFSA vs RRSP, mortgage affordability, compound growth, debt payoff — all free, all Canadian.
Browse tools
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Learn Everything
14 courses from money basics to retirement planning. Plain English, real CRA numbers, quizzes to test yourself.
Start learning
🇨🇦 Canada's key rates today
The four numbers that drive everything else.
Source: Bank of Canada Valet API. Click any rate to learn what it drives in your finances.
Start with a course, not a crisis.
Fourteen focused learning paths — from money foundations to investing, from taxes to spotting scams. Each module includes real Canadian numbers and a quiz.
Money Foundations
The basics. Budgets, bills, banks, debt.
How Canada's Money Works
Bank of Canada, CDIC, OSFI, FCAC — the system behind your money.
Build a Perfect Credit Score
From thin file to 850 — the full playbook.
Spotting Canadian Scams
CRA phone scams, e-Transfer theft, rental fraud, and the ones targeting newcomers.
Canadian Investing Strategies
Couch Potato, dividend ETFs, asset location — the Canada-specific playbook.
Withdrawing from TFSA, RRSP, FHSA
The rules nobody explains — withholding, penalties, re-contribution, HBP, LLP.
Newcomer Roadmap
Your first 12 months in Canada, financially.
Registered Accounts
TFSA, RRSP, FHSA, RESP — every account, when to use it.
Tax Mastery
Brackets, credits, deductions, the CRA.
Investing Basics
ETFs, MERs, robo-advisors, DIY portfolios.
Buying a Home
Down payments, mortgages, FHSA, the stress test.
Side Hustle Money
Self-employment, GST/HST, write-offs.
Retirement Planning
CPP, OAS, RRIF, withdrawal strategies.
Track Your Money in 30 Minutes/Month
The single habit that saves Canadians $2,400/year on average.
Calculators that give you real numbers.
Every tool runs in your browser. Plug in your situation; get a real answer. No sign-up needed.
Statement Analyzer
Upload your CC/bank statement (PDF or CSV). See exactly where every dollar went — and what to cut.
Open toolTax Calculator
What you take home after tax — with CPP, EI, RRSP refund, and pay frequency.
Open toolBudget Planner
Track spending, see 50/30/20 zones, and project your savings 10 years out.
Open toolDebt Payoff Planner
Avalanche vs snowball, side by side. See the date you'll be debt-free.
Open toolTFSA vs RRSP
Which account wins for your income, age, and time horizon?
Open toolHome Affordability & Mortgage
What you can afford — OR the monthly cost of a specific home. Two tools in one.
Open toolCompound Growth
See what $200/month becomes in 10, 20, 30 years.
Open toolCredit Card Worth
Which Canadian card ACTUALLY pays you the most for your real spending?
Open toolBuy vs Rent
The math everyone gets wrong. Net worth in 10 years, both paths.
Open toolRetirement Planner
CPP at 60, 65, or 70? Lifetime benefit and OAS clawback math.
Open toolCar Affordability
New vs used car math against your salary. Real monthly cost, real verdict.
Open toolMoney Steps
The 10-step Canadian order of operations for managing money.
Open toolBank Fee Finder
Five taps to reveal every fee — and what they cost you over 10 years.
Open toolInsurance Needs
How much term life coverage do you actually need?
Open toolMutual Fund → ETF
Walk-through to move high-MER funds to low-cost ETFs.
Open toolOne question. Smarter every day.
A new Canadian money question every day. Build a streak, earn MoneyCoins (just for fun — no real value, just bragging rights!), and level up.
Fact or Fiction?
You can contribute $10,000 to your TFSA every year, forever.
Learn by living their decisions.
Follow real Canadian characters through real money moments. Every choice has consequences.
The First Paycheque
First job, first paycheque, first big choices
The First Year
Newcomers building from zero in Canada
The RESP Decision
Family of four, mortgage, RESPs
Should I Take CPP at 60?
10 years from retirement, optimising the runway
Can you defeat
The Hidden Fee Hydra?
Five heads. Five fees you've been paying without knowing. Each correct answer severs a head — and saves you real money.
Free because I needed this tool myself.
Built by a fellow immigrant who got tired of hidden fees, scams, and tools that cost $150/year. Now it's free for everyone.
Sourced from primary Canadian data
Tax brackets from CRA. Rates from Bank of Canada Valet API. Product data scraped nightly from official bank pages. Every number has a source you can verify.
Bank of Canada rates →Independent — no paid placements
We are not affiliated with any bank, brokerage, or insurer. Product rankings are computed from attributes (fees, rates, features), not marketing budgets.
How we stay independent →Your data stays on your device
Tools run in your browser. Your profile, statements, and calculations are stored in localStorage only. Nothing is uploaded or shared.
Privacy details →Written by Canadians for Canadians
Content is reviewed against Statistics Canada, CRA, OSFI, FCAC, and IRCC guidance. When rules change, we update the content and show the edit date.
Browse the glossary →Three steps. Five minutes.
Import or add transactions
Upload a bank statement (PDF or CSV) or add expenses manually. We auto-categorize everything — and learn from your corrections.
See where your money goes
Spending donut, monthly trends, hidden fee alerts, subscription tracker. Everything visual — no spreadsheet skills needed.
Save more every month
Get personalized tips: which subscriptions to cancel, which fees to avoid, whether TFSA or RRSP is better for you. 30 minutes/month saves $200+.
Your money deserves better than a spreadsheet.
Start tracking in 5 minutes. Import a statement, learn something new, or just explore. It's free. It's private. It's yours.
Educational content only. Not affiliated with any bank, brokerage, or insurer. Your data never leaves your device.