Personal finance, Canadian-owned

Your spending
has a story.

BudgetOS helps you read it.

Start free Download on theApp Store Get it onGoogle Play

Private and encrypted  ·  No credit card needed  ·  Cancel anytime

AI-generated footage
Your statement, sorted

Every line finds its place.

Your September, sorted

Here's where it went.

Spent this month$1,239.97

6 recurring payments $500.00 moved to savings, not spending

The tie-out

Statement total42 lines$1,739.97
BudgetOS total42 of 42 lines$1,739.97
Unaccounted for$0.00

Now it all adds up.

Drop in a statement, or connect your bank read-only with Plus or Premium. BudgetOS turns months of spending, bills and goals into one clear picture — money that finally makes sense.

Works with Canada's major banks

RBCTDCIBCScotiabankBMOWealthsimple

The list keeps growing — don't see your bank? Tell us and we'll add it.

It's not you

You're not bad with money.

Most money stress isn't about willpower — it's about not having a clear picture. So let's give you one.

Here's how BudgetOS helps

So here's your whole picture.

Import a statement or connect your bank read-only, and BudgetOS turns it 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

Emergency fund$6,800 / $10,000
Your home screen

Open it, and know exactly where you stand.

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

Where it's going

Tap a category to see every transaction inside it

Budgets that breathe

See exactly where your money goes.

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

-$84.20

Tim Hortons

Dining

-$6.45

Presto

Transport

-$40.00

Payroll

Salary

+$2,620

Interac e-Transfer

Refunds

+$120.00
Every transaction, sorted

Imported or synced, categorized, and yours to adjust.

Drop in a statement or sync your bank, 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.

And everything else

The rest of the story, in one place.

Left to spend · June

$1,211 / $2,300

On track
Groceries$312 / $600
Lifestyle$181 / $400
Transport$124 / $200

June spending heatmap

This month · May

$4,039 spent

+$2,151 net

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

Ahead
Emergency fund$6,800 / $10,000

On track for Sept 2026

Japan trip$2,050 / $5,000

On track for Mar 2027

Pay off card$1,400 / $1,800

On track for Aug 2026

Statements or bank sync

Drop in a PDF or CSV from Canada's major banks, or connect your bank read-only with Plus or Premium. Every transaction is sorted into categories in seconds.

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.

Three steps

From chaos to clarity in minutes.

  1. 01

    Import or connect

    Upload a statement from any of Canada's major banks, or connect your bank read-only with Plus or Premium. BudgetOS sorts every transaction for you.

  2. 02

    See clearly

    Your spending, budgets and bills — one honest picture, instantly.

  3. 03

    Take control

    Set budgets and goals, and watch yourself actually hit them.

Pricing

Start free. Go further when you're ready.

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.

  • Track transactions & spending
  • Monthly spending chart
  • Bills & subscriptions
  • Savings goals
  • 6 statement imports
Start free
2 months free on annual

Plus

Bank sync and unlimited imports

$50/year

Just $4.17/mo — 2 months free vs paying monthly

  • Everything in Free, plus:
  • Bank sync — up to 3 banks, every account in them
  • Unlimited statement imports — CSV & PDF
  • Unlimited savings goals
  • Bills on autopilot — detected subscriptions become tracked bills
  • PDF reports, pace & subscription insights
Get Plus in the app

Premium

No bank cap, and your month written up

$10/month

Billed monthly · cancel anytime

  • Everything in Plus, plus:
  • Unlimited bank sync — no 3-bank cap
  • Money Note — your month, written up
  • Your Money Story — where it actually went
  • A proactive agent that flags what changed

Story and the Money Note describe your own data and where it's trending — not financial advice.

Get Premium in the app

Free works on the web, on iPhone and on Android. Plus and Premium are purchased inside the BudgetOS app, on iPhone or Android. Prices in CAD; subscriptions are billed through the App Store or Google Play and renew automatically until cancelled — manage or cancel anytime in your App Store or Google Play settings. No card needed to start on Free.

Money, finally on your side

Take control of your money. Today.

Join the people who finally know where it all goes.

Start free Download on theApp Store Get it onGoogle Play

Built in Mississauga, Ontario, by one founder who got tired of not knowing where the money went.