The Canadian budgeting app that gets TFSA right.
Connect TD, RBC, BMO, Scotiabank, CIBC via Plaid Canada in 30 seconds. Track TFSA, RRSP and FHSA contributions against your real CRA room. Built for bi-weekly pay. Hosted in Montreal. PIPEDA-compliant.
Free plan forever · No credit card · Plaid Canada
Bank coverage
Powered by Plaid Canada.
+ 80 credit unions and challenger banks
Why Canadians switch
What KOHO and Wealthsimple don’t do.
KOHO is a card, not an app
KOHO is a prepaid Visa with cashback. Useful but no budgeting tools, no TFSA tracking, no CRA export.
Wealthsimple is investing
Wealthsimple Cash is an account, Wealthsimple Trade is a broker. Neither is a personal-finance app for your TD chequing.
Hosted in Montreal
Canadian data residency. PIPEDA + Quebec Law 25 compliant. Bi-weekly pay support natively.
Built for Canada
CRA-ready from day one.
TFSA Contribution Tracker
Live TFSA room calculator. Track 2026 annual limit ($7,500) and lifetime contribution room. Warn before you over-contribute and trigger the 1% monthly CRA penalty.
RRSP + FHSA Tracker
Track RRSP contributions against your annual deduction limit. FHSA ($8,000/year, $40,000 lifetime) for first-home buyers. Auto-calculates carry-forward room.
Bi-Weekly Budgeting
Canadian payday cadence is bi-weekly for most full-time workers. Budgets align to your real cycle, not arbitrary calendar months.
T2125 for Self-Employed
Tag deductible business expenses against T2125 categories (Advertising, Meals/Entertainment, Vehicle, Home Office, Supplies). Export CRA-ready CSV for tax time.
CRA Mileage Tracker
Auto-detect drives over 2 km. Tag business vs personal. Export at the 2026 CRA prescribed rate ($0.72/km first 5,000 km, $0.66/km after).
GST/HST Tracker (Sole Props)
Track GST/HST collected vs paid. Quarterly remittance reminders. Provincial sales tax breakdown (BC, MB, QC, SK).
Pricing in CAD.
Free
C$0
1 bank · basic budgets
Personal Premium ★
C$9.99/mo
Unlimited banks · TFSA/RRSP/FHSA
Business
C$13.99/mo
T2125 · GST/HST · Multi-user
Frequently asked questions
How does bank sync work in Canada?▼
We connect via Plaid Canada, which is FCAC-recognised under the upcoming Canadian Open Banking framework. All major banks (TD, RBC, BMO, Scotiabank, CIBC, National Bank) plus credit unions and challenger banks (Tangerine, Simplii, EQ, Wealthsimple Cash) are supported. Read-only OAuth, never able to move money.
How much does it cost in CAD?▼
Free plan with one bank connection. Personal Premium is C$9.99/month (or C$99/year). Business with T2125 and GST/HST tracking is C$13.99/month. KOHO Essential is C$4/mo but has no budgeting; KOHO Everything is C$19/mo — PocketSpend is cheaper with more features.
How is this different from KOHO or Wealthsimple Cash?▼
KOHO is a prepaid card with cashback. Wealthsimple Cash is a no-fee account. Neither is a budgeting app. PocketSpend connects to your existing TD/RBC/BMO/Scotia/CIBC accounts and gives you budgets, TFSA tracking and CRA-ready tax tools on top.
Does it track investments inside TFSA/RRSP?▼
Yes — connect Wealthsimple, Questrade, RBC Direct Investing, TD Direct Investing via Plaid. Portfolio value rolls into net worth. View-only, no trading.
Is my data stored in Canada?▼
Canadian user data is hosted in AWS ca-central-1 (Montreal). PIPEDA-compliant. We respect Quebec’s Law 25 enhanced privacy requirements.
What about Quebec users — do you support French?▼
English-only at launch. French Canadian UI is on the 2026 Q4 roadmap. All financial calculations respect Quebec-specific tax rules (RRQ, Quebec Pension Plan, QST).
Master your TFSA. Master your money.
Free plan forever. CRA-ready. Hosted in Montreal.
Get Started Free