BudgetOS helps you read it.
Import a bank statement and BudgetOS turns months of spending, bills and goals into one clear picture — money that finally makes sense.
Private and encrypted · No credit card needed · Cancel anytime
Left to spend · June
$1,211 / $2,300
June spending heatmap
This month · May
$4,039 spent
Spending on a calendar — spot heavy days early
Monthly summary · March
+$4,521 left over
● Income
$12,811
● Expenses
$8,290
● Left
$4,521
Savings goals
2 on pace
On track for Sept 2026
On track for Mar 2027
On track for Aug 2026
WORKS WITH CANADA'S MAJOR BANKS
RBC · TD · CIBC · Scotiabank · BMO · Wealthsimple
The list keeps growing — don't see your bank? Tell us and we'll add it.
Most money stress isn't about willpower — it's about not having a clear picture. So let's give you one.
"Where did it all go?"
Money slips away in everyday spending, subscriptions and bills that quietly add up by month's end.
Budgets that never stick
You set one with good intentions, then never hear from it again. No nudge, no follow-through.
Goals that never get going
The trip, the emergency fund, paying off the card — always next month, never any real progress.
Import your statements once, and BudgetOS turns them into screens you can actually read — your Home, your Budget, and every transaction.
Home · June
Money left to spend
$842
Groceries
$288
Dining
$96
Bills
$1,240
Income
$5,240
Spent
$3,089
Net
+$2,151
Spending · last 6 months
Money left to spend, front and centre. Pick how much you want to see — tap Simple, Standard or Detailed to try it — and reorder the cards to match how you think. No two screens have to look alike.
Left to spend · June
$1,211
Tap an envelope to see every transaction inside it
Groceries
$312
spent of $600 this month · $288 left
Recent transactions
Every category shows how much you have left to spend, right up front — not a guilt-trip bar you ignore. Tap one to see what's inside, edit it, or share it. It's the budget you'll actually keep up with.
Spent · June
$3,089
Income · June
$5,240
Loblaws
Groceries
Tim Hortons
Dining
Presto
Transport
Payroll
Salary
Interac e-Transfer
Refunds
Drop in a statement and every line lands in the right category automatically — from your morning coffee to your paycheque. Tap Spending or Income to flip the view, just like in the app. Re-categorize one and BudgetOS can apply it to every match, past and future.
Import your statements
Drop in a PDF or CSV and every transaction is sorted into categories in seconds — for Canada's major banks, with more added regularly.
See it on a calendar
A colour-coded heatmap of your spending. Spot the heavy days before they become heavy months.
Never miss a bill
Track bills and subscriptions in one place, so renewals and due dates never catch you off guard.
Goals you actually hit
Set a target and BudgetOS projects your pace — so "someday" finally gets a real date.
Import
Upload a statement from any of Canada's major banks. BudgetOS reads and sorts every transaction for you.
See clearly
Your spending, budgets and bills — one honest picture, instantly.
Take control
Set budgets and goals, and watch yourself actually hit them.
No card to start. Priced in Canadian dollars, so there are no exchange-rate surprises. Your data is always yours — and always exportable. Cancel anytime.
Free
Everything to build the habit
$0/forever
No card, no catch.
Plus
Bank sync and unlimited imports
$50/year
Just $4.17/mo — 2 months free vs paying monthly
Premium
Every bank, and the money coach
$10/month
Billed monthly · cancel anytime
Free works on the web and on iPhone. Plus and Premium are purchased inside the BudgetOS iOS app. Prices in CAD; subscriptions are billed through the App Store and renew automatically until cancelled — manage or cancel anytime in your App Store settings. No card needed to start on Free.
Join the people who finally know where it all goes.
Built in Canada by a small team who got tired of not knowing where their money went.