Full Feature List

Every Tool to
Master Your Money

From your first shift to your first invoice — income tracking, budgeting, analytics, financial planning, and a full business suite, all built for Canadians.

Start Free — No Credit Card
Free

Income Intelligence

Know exactly what you earn after every deduction. Built for Canadian tax brackets.

Shift Tracking

Log shifts in seconds with start/end times, breaks, and overtime detection.

Auto Pay Calculation

Instantly calculate gross and net pay based on your hourly rate and hours worked.

Canadian Tax Engine

2026 federal + provincial tax brackets for all 13 provinces and territories.

CPP & EI Breakdowns

See exact CPP contributions, EI premiums, and basic personal amount deductions.

Pay Period Automation

Weekly, bi-weekly, or semi-monthly schedules generated automatically.

Multi-Job Support

Track multiple jobs with different rates, schedules, and tax implications.

Free

Smart Budgeting

Take full control of your spending with categories, limits, and real-time tracking.

Category Budgets

Set spending limits per category and subcategory with visual progress bars.

Transaction Tracking

Log expenses and income with smart categorization and search.

Multi-Account Support

Manage chequing, savings, and credit accounts in one place.

Spending Insights

See where your money goes with breakdowns by category and time period.

CSV Import

Import bank statements and transactions from CSV files instantly.

Budget vs Actual

Compare planned budgets against real spending with clear visualizations.

Plus

Bank Sync & Import

Connect your bank accounts via Plaid or import transactions from CSV for a complete financial picture.

Plaid Bank SyncPLUS

Connect major Canadian banks for automatic daily transaction syncing via Plaid's production API.

One-Tap Balance RefreshPLUS

Refresh account balances on demand with rate-limited API calls for real-time accuracy.

Smart Auto-CategorizationPLUS

Transactions are automatically categorized based on merchant name and transaction patterns.

Account MappingPLUS

Map synced bank accounts to your Budget iT accounts for seamless reconciliation.

Recurring DetectionPLUS

Automatically identify recurring charges like subscriptions, rent, and utilities.

Liabilities SyncPLUS

Automatically pull credit card balances, mortgage details, and student loan info from connected banks.

CSV ImportPLUS

Import bank statements and transactions from CSV files for banks not yet supported by Plaid.

Plus

Investment Portfolio

Track your investment holdings, dividends, and portfolio performance across all accounts.

Holdings TrackerPLUS

See all your stocks, ETFs, and mutual funds with current values, cost basis, and gain/loss.

Portfolio PerformancePLUS

Track overall portfolio growth with interactive charts and historical data.

Dividend TrackingPLUS

Monitor dividend income across accounts with payment history and yield calculations.

Free

Security & Privacy

Your financial data stays yours. Zero-knowledge encryption means we can't read it.

Zero-Knowledge Encryption

AES-256 encryption happens on your device before data reaches our servers.

Recovery Keys

Secure backup key during signup ensures you never lose access to your vault.

Privacy Mode

Instantly blur all dollar amounts with a single click for screen privacy.

Session-Only Decryption

Your vault is decrypted only while logged in. Logging out locks everything.

Plus

Planning Tools

Plan your financial future with Canadian-specific calculators and goal tracking.

Savings GoalsPLUS

Set goals with deadlines, track contributions, and celebrate milestones.

Debt Payoff PlannerPLUS

Avalanche or snowball strategies with custom payoff timelines.

TFSA CalculatorPLUS

Track contribution room and optimize your tax-free savings.

FHSA CalculatorPLUS

First Home Savings Account planning with CRA contribution limits.

RRSP & RESPPLUS

Retirement and education savings projections with tax implications.

Scenario Simulator — Coming SoonPLUS

Model "what if" scenarios for raises, job changes, and major purchases. Pro only.

Plus

Analytics

Deep insights into your financial patterns with beautiful, interactive visualizations.

Revenue vs Expense ChartsPLUS

Interactive bar charts showing your revenue and expenses over the last 6 months.

Spending HeatmapPLUS

Visualize spending patterns by day and category over time.

Category TrendsPLUS

Track how spending in each category changes month over month.

Cash Flow ProjectionPLUS

Forecast future cash flow based on income patterns and recurring expenses.

Net Worth TrackingPLUS

Monitor your total assets minus liabilities over time.

Year-over-YearPLUS

Compare your financial health across years with detailed breakdowns.

Pro

Business Suite

Everything freelancers and small business owners need to manage their finances.

Professional InvoicingPRO

Create beautiful PDF invoices with customizable templates, logos, and payment links.

Time TrackingPRO

Track billable hours by project and client with one-click timers and detailed reports.

Client & Project ManagementPRO

Manage clients, track project budgets, and monitor profitability in one place.

Expense Tracking & Receipt OCRPRO

Snap a receipt photo and auto-fill vendor, amount, and date. Organize by 20+ categories.

Mileage LoggingPRO

Log business trips with CRA per-km rates. Automatic deduction calculations.

HST/GST & P&L DashboardPRO

Track input tax credits, view revenue vs expense trends, and see real-time profit & loss.

Ready to Take Control?

Join Canadians who finally feel confident about their finances. Start free in 30 seconds.

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