No bank login
We never ask for online banking credentials. You export CSV from your institution and upload only what you choose.
Serious money tools earn serious trust
Designed around Canadian privacy expectations: PIPEDA accountability, encryption, and you in control of every CSV you upload.
Encrypted at rest
Sensitive financial figures are encrypted in storage. Sessions use secure cookies. Security headers harden every response.
Authenticator app
Required for every account. Codes stay in your authenticator. We do not use text-message codes.
Export your data
Download a zip of your accounts, categories, budgets, and transactions whenever you want. The JSON file is inside.
Delete and leave
Withdraw consent by deleting your account. Audit events track security-sensitive actions like exports.
PIPEDA-minded
Privacy and terms are written for Canadian users, with clear purposes, limited collection, and accountability language.
Your categories, your rules
Transfers, income, and expenses stay under your taxonomy. We do not sell personal information or broker your ledger.
Budget with your eyes open
Free for personal use. Privacy policy and terms up front.