Leak finder
Spots subscriptions, price increases, new recurring charges and spending that's creeping up, with what each costs per year.
For Canadian families
Find the leaks.
Save first.
Spend the rest.
Budget AI finds the small, quiet leaks draining your money (forgotten subscriptions, creeping takeout, price hikes, fees) and helps your family build the habit of saving before spending.
- Read-only bank connection
- CIBC, TD, RBC, BMO, Scotiabank & more
- Shared family budgets
Netflix went up $2.00about $258 a year. Still worth it?
Safe to spend today$44.94
Leak found: food delivery$109 this month, over your $100 cap
The problem
Small leaks sink big budgets
No single one feels like a problem. That's exactly why they last.
$16.99/month
= $204 a year
One streaming service you stopped watching
$6.50× 4 a week
= $1,352 a year
The coffee run that became a routine
$35× 6 a month
= $2,520 a year
"Just this once" delivery dinners
What it does
Everything you need to plug the leaks
"Can I afford it?"
Type an amount and a category. Get yes, careful, or no, plus what's left per day after, and where to borrow from if you're short.
Save first, built in
Goals and savings come out first. Your daily safe-to-spend number already leaves them untouched.
Bank sync
Connect your Canadian bank once; new transactions arrive on their own and are categorized automatically. Or import files.
AI that decodes the mess
Turns "SQ *JMB 4421" into a real merchant, reads photos of receipts, and drafts a budget from your actual spending.
Bills before they bite
A calendar of upcoming bills and a projection of your chequing balance until payday, so nothing bounces.
How it works
Three steps, about ten minutes
- Connect or import. Link your bank, or drop in the last three months of statements. Everything is categorized for you.
- See the leaks. Recurring charges, price hikes and runaway categories, each with its yearly cost, so you can decide what to cancel, cap with a limit, or budget for.
- Save first. Set your goals, and your family gets one clear number every day: how much is safe to spend.
For families
Make saving the family habit
Money habits are learned at home. Share one budget with your partner (and, when they're ready, your kids). Everyone sees the same plan, logs spending in seconds, and gets the same answer to "can we afford it?"
- One shared budget, separate logins
- Spending caps on the leaks you agree on
- Goals the whole family can watch grow
Your data stays yours
Bank access is read-only and goes through Plaid; we never see your bank password. Each family's data is kept in its own separate database. Export everything or delete your account anytime. We don't sell your data.
Read the privacy policy →Questions
What is a "financial leak"?
A small, easy-to-miss cost that repeats: a subscription you forgot, a price that quietly went up, takeout that crept from twice a month to twice a week, bank fees. Each one looks harmless; together they can cost a family thousands a year. The app finds them in your transactions and shows what each one costs per year.
What does "save first, then spend" mean?
Also called "pay yourself first": when income arrives, money for your goals is set aside before anything else, and you spend what remains. The app builds this into the budget, so the daily "safe to spend" number already excludes your savings.
Is it safe to connect my bank?
Bank connections go through Plaid, which banks and many finance apps use. You log in to your bank inside Plaid’s secure window; this app never sees or stores your bank password, and the connection is read-only: it can’t move money. You can also skip bank sync and import files downloaded from online banking.
Which banks does it work with?
Bank sync supports CIBC, TD, RBC, BMO, Scotiabank, Tangerine and most other Canadian banks. File import understands CSV and QFX/OFX downloads from the major Canadian banks.
Can my partner and I share one budget?
Yes. Invite family members with a private link; everyone sees the same budget and can log expenses, while each person has their own login.
Can I export or delete my data?
Anytime. Export every transaction as a CSV, download a full backup, or delete your account, which permanently removes your family’s data.