A budgeting app can be founded in Canada and still be designed for a broader US or international audience.

There’s nothing wrong with serving multiple countries. But as a Canadian choosing an app, I care about what that means for the product. How much attention goes toward our bank connections? Our registered accounts? Our retirement system?

I built Finnomia around those questions.

I’m Aaron, the founder, based in Vancouver. Our focus is specifically Canadian personal finance. That focus determines what we build, which banking connections we invest in, and what our planning tools need to understand.

TFSA, RRSP and FHSA accounts. CPP and OAS. RRSP-to-RRIF conversion and minimum withdrawals. Canadian dollars, including the subscription bill.

Those are everyday requirements for the people we’re building for.

We’ve recently started sharing Finnomia’s story on Reddit, and the response has brought new users, thoughtful feedback and a clearer sense of what Canadians want from a personal finance app. That feedback is already shaping what we build and ship. If you’ve tried Finnomia, shared a suggestion or followed along, thank you.

Here’s what’s now live:

• Flinks alongside Plaid. We now have another connection option when one provider doesn’t work well with a particular Canadian institution. We also improved the linking flow so a request for additional authentication doesn’t look like a failed connection.
• A completely overhauled homepage. We’ve given the site a more polished design, with many more screenshots of the actual app so you can see what you’re getting before signing up. We’ve also made our approach to privacy, security and Canadian bank connectivity easier to find and understand.
• Better loan and mortgage payments. You can split a payment into principal and interest when creating it, with the principal reducing the balance of a manually tracked loan. A Reddit commenter raised this exact use case last week.
• Bills linked to actual payments. Attach one or several transactions to a bill, see its payment history, and have payments automatically associated during bank sync.
• A receipts gallery. Browse your attached receipts together and filter transactions to show only those with receipts.
• Easier transfer matching. When adding a transaction, you can create the matching transfer or link an existing transaction on the other account.

Bank connections still depend on the providers and institutions involved. Adding Flinks gives us more options, but it doesn’t make every connection flawless. If you’ve tried Finnomia before and connectivity stopped you, I’d appreciate you giving it another try and telling me how it goes.

I started building Finnomia because I missed Mint and wanted a replacement designed specifically for Canadians. That’s grown into a broader goal: a Canadian alternative to Monarch Money that brings everyday budgeting, investments, debt and retirement planning together, with Canadian financial life guiding the roadmap.

The budgeting style is closer to Mint or Monarch: connect your accounts, automatically bring in transactions, categorize spending, set budgets and see how your finances fit together. The emphasis is on automated tracking and financial visibility.

Alongside the improvements above, Finnomia includes registered-account and net-worth tracking, debt and Canadian retirement planning tools, and shared household budgets on the Family plan. Features vary by plan.

We’re now out of beta. The web app is live, with native iOS and Android apps in private testing.

Finnomia’s social purpose is to improve financial and economic literacy in Canada. That shapes both the app we’re building and the free Canadian financial guides and calculators we make available to everyone. We want to help people understand their money and make informed decisions, whether or not they become customers. We’ve also committed to donating 5% of our profits to Canadian charities working toward that same purpose.

There’s a 30-day free trial. Core starts at C$71.88/year; Advanced is C$107.88/year. Month-to-month subscriptions are also available. Core covers everyday budgeting; Advanced adds unlimited connected accounts and the deeper planning tools.

Take a look: finnomia.ca

For the Canadians here: what tools are you currently using to manage your finances, and what do you still have to handle separately in a spreadsheet?

I’d like to hear what’s missing, whether that’s a particular bank connection, a planning feature or an everyday task that takes more effort than it should.

My wife and I kept running out of money mid-month for the same reason: only one of us could actually see what was left.

So I built EXPENDR. Bills come off the top, whatever is left gets split into weekly limits, and everyone in the house sees the same number on their own phone.

Free to use. Plus is a one-time AED 39.99 (about $11) for the whole household. No subscription, no per-person cost.

It reads your bank's alert messages so you're not typing everything in. No bank login — it only reads the message that already came to your phone. Built around UAE and India bank formats, so if you're in the US that part may not work for you.

No web app, no bill splitting, and nothing reads cash.

iOS: https://apps.apple.com/app/id6793934465

Android: https://play.google.com/store/apps/details?id=com.expendr.app

I built Tesorin because I wanted one place to understand my money without connecting my bank or brokerage accounts.

The goal is simple:

Where did my money go? → Where am I now? → Where am I heading?

Tesorin tries to automate the boring parts while keeping you in control:

🧾 Offline receipt scanning, Apple Wallet/Shortcuts, Siri, CSV imports, recurring transactions
📈 Stocks, ETFs, mutual funds, Bitcoin, gold, 20+ markets and live FX
💰 Safe to Spend, category caps and Smart Budget
🏠 Net worth across cash, property, vehicles, investments and debt
🔭 Retirement, education, debt payoff, insurance and goals
🇨🇦 🇮🇳 Canada and India tax tools
👨‍👩‍👧 Household tracking and sharing
📊 Annual Report PDFs + detailed CSV exports
🔐 Local SQLCipher encryption, encrypted backups and paired web access
🇨🇳 Simplified Chinese support for users in China

The core is free forever. Premium is $2.99/month or $24.99/year.

iOS:
https://apps.apple.com/us/app/tesorin-personal-finance/id6790928779
Android:
https://play.google.com/store/apps/details?id=com.trytesorin.tesorin
Web:
https://www.trytesorin.com

I tried all of the major budgeting apps, and they all seems overly complicated and hard to get a good read on where my money was actually going, so I built my own app, Debrief.

Debrief helps you actually see where your money's going. Sync your accounts, or upload manually, and everything lands in one place — no more digging through multiple bank apps. Your transactions get sorted into categories automatically, using rules you set plus AI. Then you can look back over the last 3 months and actually spot the patterns so you can make better calls going forward. $4.99/month per household.

debriefmoney.com

Hello everyone,

I built Budgetisto because keeping a shared budget up to date was more work than it should be. It was too easy for one person to miss a transaction or work from outdated numbers.

Budgetisto uses envelope budgeting. You assign income to categories such as rent, groceries, entertainment, and savings. Each envelope shows what is still available, so you can see what is safe to spend.

You can share a budget with a partner, family member, or anyone else you manage money with. Transactions and balances sync across Android and the web, so everyone works from the same budget.

There’s a free plan. I’m the developer, and I’d genuinely appreciate feedback, particularly on the shared budgeting experience and anything that feels confusing.

Android: https://play.google.com/store/apps/details?id=dev.solonenko.budgetisto

Web: https://budgetisto.app/

Hey guys,

I’m honestly pretty bad at managing my money, and I’ve never been able to stick with budgeting apps. I download them, set everything up, look at all the charts for a few days… then completely stop opening them.

So I built Mikci

Instead of making me create a full budget, Mikci connects to my financial activity, watches my normal spending rhythm, and occasionally notices something worth working on.

It might ask me to make one small Promise, like:

“Keep eating out under $140 this week.”

Then I just live normally. I don’t have to manually track anything.

At the end of the Promise, Mikci checks what actually happened.

And apparently I’m also pretty bad at keeping my own Promises spend more than the promise

My first attempt didn’t work, so now I’m testing how Mikci handles failing, trying again, and whether seeing the history actually motivates me to do better the second time.

Hi everyone! I wanted to share a personal project I've worked on, in case anyone finds it useful or can offer me some helpful feedback. I've built Tallyo, an open-source personal finance tracker for a household: spending, budgets, net worth history, and investment portfolio in one app.

Try it without installing anything: https://orlandoc01.github.io/tallyo/ (full app on fictional data)

Repo and docs: https://github.com/orlandoc01/tallyo

I know there's a lot of these going around at the moment, so I'll try and summarize the main things about this project that I think make it useful for others.

1. Bank sync with Plaid or SimpleFIN

I primarily built this for Plaid first. Plaid's free production tier covers 10 logins, which was more than enough for me, plus if more people in your household sign up for the free tier you can use theirs too with the app. With plaid, transactions arrive pre-categorized and investment holdings come through cleanly. SimpleFIN (~$1.50/mo) works too and is fine for spending and budgets, but its holdings data is much thinner, so portfolio and net worth tracking is less reliable that way. Transactions from SimpleFIN arrive uncategorized, so there's an optional local Ollama categorizer for them. CSV import/export and manual accounts (including real estate and manual holdings/liabilities) fill in the rest.

2. MCP server for Claude, ChatGPT, and other assistants

Tallyo exposes an MCP endpoint (off by default) so you can ask an AI assistant about your spending, run categorization, or query net worth with it. It uses the same authorization as the server: either OAuth with an explicit consent screen (you can assign it a custom user and a role with limited permissions) or a simple API key.

3. Everything stays on your server

It runs as one binary, no additional external services required. You can use a docker image on ghcr.io or bare binaries for Linux/macOS/Windows. It supports built-in OAuth 2.1 + PKCE with Google sign-in, email OTP/magic links, and passkeys. If you want something simpler, you can also just use a simple master password authentication. It also supports optional at-rest database encryption and household role provisioning so a partner can have full, read-only, or budget-only access. Docs should have enough detail about all of this and more.

4. Mobile support via PWA

I also built it to have a good mobile experience by adding full PWA support. You can get a feel for the mobile experience too on the live demo link. It comes with a customizable nav bar and it's installable on iOS and Android

What it costs: the software is free. Your only recurring cost is bank aggregation: $0 on Plaid's free tier (less than 10 logins per Plaid credential) or ~$1.50/month with SimpleFIN.

Caveats: US and USD only for now, with no multi-currency.

Full Disclosure: This is coded with Claude and some other coding agents. I work full time as a software engineer so did my best to ensure quality remains high but figured I'd let people know as I think its always something to be wary of.

Happy to answer questions! Constructive feedback on the UI and features are also always helpful and welcome. I'll be in the comments :)

I built Duefolio because I wanted a clearer way to see recurring payments without linking my bank account or handing my financial data to another service.

Most subscription trackers show a list. Duefolio uses a visual timeline instead, so you can see what renews, what ends, and how your recurring commitments build up over time.

There’s no account and no bank connection. Your ledger stays on-device. You can also import a CSV statement to review possible recurring charges, track price history, set renewal reminders, export your data, and ask an optional on-device assistant questions about your own ledger.

The trade-off is intentional: if you want automatic bank synchronisation, Duefolio probably isn’t the right tool. It is designed for people who prefer more control and are willing to review or import their data themselves.

The core tracker is free. Pro is a $14.99 one-time purchase for statement review, custom subscriptions, income and profit-and-loss views, widgets, and additional tools. There is no monthly or annual subscription and no ads.

I’m the developer, so I’m obviously biased. I’d genuinely like to know: do you prefer a privacy-first manual workflow for recurring spending, or is automatic bank syncing essential for a tool like this?

That was really the whole idea behind TESORIN.

I didn’t want one app for budgeting, another for investments, a spreadsheet for net worth, and something else for goals or planning. I wanted one place where I could see the bigger picture.
So TESORIN brings spending, budgets, accounts, debt, net worth, investments, goals and longer-term planning together.

The other two things I cared about from the beginning were privacy and price.

There’s no bank login. Your core financial data is encrypted on your device. On Android, there’s optional bank-SMS parsing if you want a bit of automation without actually connecting your bank.

And I’ve probably spent more time than I should admit on the UI. If you’re going to look at your finances regularly, the app shouldn’t feel like accounting software.

It’s also deliberately cheap: 30 days free with no card, then $1.99 CAD/month or $14.99 CAD/year in Canada, ₹29/month or ₹199/year in India, and $1.99/$14.99 USD in supported USD markets.

There is a tradeoff: if automatic bank syncing is something you absolutely need, TESORIN probably isn’t for you. That’s intentional.

I’m the developer, so obviously I’m biased. But if you try it, I’d genuinely rather hear what feels confusing, unnecessary or annoying than get a generic “nice app.”

Website: https://www.trytesorin.com
Android: https://play.google.com/store/apps/details?id=com.trytesorin.tesorin
iPhone/iPad: https://apps.apple.com/us/app/tesorin-personal-finance/id6790928779

So I've been slowly turning my finance spreadsheet into something that does everything for me, and I think I might have gone overboard, but it's decent i guess..

Basic idea: I dump my bank statements into a tab, and pretty much everything after that happens on its own.

• Cleans up and merges all the raw data automatically
• I sort new transactions into categories myself, only takes a couple minutes a month
• Feeds into a data model that drives all the charts
• Behind that there's a full model tracking my income, spending, savings, and investments month by month

The dashboard itself just shows me the important stuff, income, spending, savings rate, net worth, plus a couple charts. But the bit I actually like most is that it writes little summaries on its own, like "car was your biggest expense this month, up 18% from last month," so it is easier to make sense of it all.

It also checks its own numbers and flags anything that doesn't add up, which sounds minor but has saved me a couple times when something got miscategorized and threw a number way off.

Screenshots below, happy to answer questions if anyone's curious how any of it works.

Most budgeting apps are good at explaining where your money already went. I wanted something that answered a different question:

“What will my balance be after all the bills and paychecks coming up?”

So I built CashFlowCast.

You enter your current balance, recurring income, bills and due dates. It then creates a running forecast showing how each transaction will affect your balance over the next several months.

Some of the main features:

• Day-by-day projected balance

• Overdue, today and tomorrow totals

• Multiple checking and savings accounts

• Transfers between accounts

• Monthly spending reports and PDF export

• Optional investment portfolio tracking

• Bill history and calendar views

• Receipt scanning and email reminders with Pro

• Works on phones and computers as an installable web app

You don’t have to connect your bank account or provide banking credentials. The main app is usable for free, and the optional Pro plan is $14.95 per year.

I’m an independent developer and have been improving it based on real user feedback. I’d especially like feedback on whether the forecast makes upcoming cash-flow problems easier to spot than a traditional monthly budget.

CashFlowCast: https://cashflowcast.com

I have spent this year creating my own personal finance web app and recently launched it publicly. I spent the last 10 years tracking my finances in Excel to record everything just how I wanted, but I got tired of how long it took to keep updated. So, I built this app to solve all of my own needs in a finance tracker, and I am curious what others might think of it.

I have added screenshots to show off some of the features and to give the feel of the user interface. Here is my own experience as a dedicated budgeter having used this for several months now, and why I won't be going back to Excel:

Pros:

• Importing transactions through CSV is very fast, especially once history is built up to match against. AI categorization is also helpful starting out with no history. I still get to see every transaction but avoid the tedium of importing everything manually.
• With AI receipt parsing, I no longer have to manually go through every box store receipt to split items into their respective categories
• I can track my daily net worth over time
• I can save receipts to specific transactions, especially helpful for HSA expenses, charitable giving, etc.
• I can easily track expenses where I expect reimbursements (i.e. a friend is going to pay me back for lunch) without it affecting my budget
• I have the optionality of doing 0 sum every month or can carry over the surplus and assign it in any future month.
• Full Sankey drilldowns (Account > Category > Subcategory > Location > Transaction) are great to explore
• Automatic recurring transaction detection with price change alerts
• Mortgage amortization tables with extra payment options and debt payoff plans (avalanche or snowball)
• Monthly statements that give a full financial overview are easy to share and review with my spouse

Cons:

• The app purposefully does not use bank-linking, which may not be what most users want.
• Accounts, Budgets with categories, Savings goals, etc. are all set up how each user sees fit, which means the initial start-up can take some time and effort.
• You need at least a complete month of data to really see the full benefits of the app

The web app is desktop-first but has a dedicated mobile view. You can save the website to your phone to have it act like a normal mobile app for easy receipt uploading.

There are a million other budget apps out there now, but I do hope someone finds this one helpful. There is a contact form where you can submit any feature requests, which I would be happy to build if it adds value for everyone.

I have implemented a 2-week trial for the app–no payment info is needed to create a login and start using it. After that, it is $5.99/mo or $59.99/yr if you choose to continue. I have offered free budgeting tools in the past, and I am trying to keep the price low here, but there is a real cost to me for each user (AI API calls, storage, compute, etc.).

If curious, my background is in engineering & finance and have been an Excel power budgeter up to this point, tracking every transaction my family and I have made for the last 10 years.

You can find more info at www.thepennytracker.com

Any feedback here is welcome!

Hey r/PFtools,

If you are looking for a clean personal finance manager that does not demand your private bank passwords, show ads, or force you into expensive annual subscriptions, I built MoneySplit as an offline-first alternative.

MoneySplit is a 4.9-Star rated budget manager designed around the core principles of Your Money or Your Life (YMOYL)—helping you evaluate your spending in terms of real life energy, conscious consumption, and true financial independence.

Key Tool Features:

• Your Money or Your Life (YMOYL) Alignment: Track your real hourly wage and evaluate every expense against the actual life energy spent earning it, helping you break impulse buying habits.

• 100% Private & Password-Free: No Plaid logins or bank passwords required. Your financial data stays 100% securely on your local device. Zero cloud tracking or data sales.

• 1-Tap Bank Statement Import: Drag and drop CSV or PDF bank statements from any bank for instant category breakdown.

• Automatic Bank SMS Tracker: Automatically parses bank text alerts into organized monthly category budgets.

• Subscription & Debt Manager: Spot forgotten recurring charges before your card is billed, and calculate credit card debt payoff schedules.

• Google Drive Backup: Export clean CSVs to Excel anytime or backup to your personal Google Drive account.

I would love for this community to check it out and share your thoughts, tool feedback, or feature requests!

Google Play Store Link: MoneySplit

I kept seeing the same confusion about the new One Big Beautiful Bill deductions — especially that overtime only deducts the premium half, and that "no tax on tips / SS" is a deduction, not tax-free income — so I built a small set of free calculators, one per deduction, all based on the finalized IRS rules (caps, MAGI phase-outs, the qualifying-occupation list, the sunset after 2028).

No signup, no ads on the calculators, no data collection. Disclosure: they're mine and the site is free.

• No Tax on Overtime (premium-only + phase-out): https://newdeductioncalc.com/no-tax-on-overtime-calculator/
• No Tax on Tips (checks the IRS occupation list): https://newdeductioncalc.com/no-tax-on-tips-calculator/
• Trump Account balance projector: https://newdeductioncalc.com/trump-account-calculator/
• Senior deduction: https://newdeductioncalc.com/senior-deduction-calculator/
• OBBBA overview hub: https://newdeductioncalc.com/obbba-deduction-calculator/

Happy to take feedback on the math or add cases people are running into.

Hello, I am the founder of https://wealthmode.io/, built in Hamilton, ON, for a long time I looked for a replacement of Mint, which is where I felt most comfortable, I know there's a plethora of apps out there, but none made me feel really comfortable.

I am a senior software engineer, so eventually decided to invest and create my own product, I am using it for my own finances and pretty happy with the result, the feedback I got from the first few hundred users were mostly positive, I was trying to perfect it before going to bigger communities on reddit and putting any money on ads.

I would like to hear from more people as this community is huge, whoever wants to try it, I would appreciate it, for the people that are still not happy with a solution, what is missing? What are you looking for in these apps?

What are the most important things to you? Reports? Budgets? Tracking investments?

At the moment it's a solid personal finance app for transactions/budgeting, the next 2 big things that I'm working on are

1. The investment side of it (replacing something like Wealthica), which is something not even Mint had, a single app for personal finances (transactions, budget) and investment portfolio tracking.
2. Native mobile apps, I worked hard on having a pretty good usability for mobile web, as most people use it on phones, but I know people really love native apps, so that's coming soon as well.
3. A lot of apps are adding chatbots to chat about your finances, as an user I don't like that. But I'm not sure if other users are wanting that or not, how do you feel about it?
4. There's a feature that I'm on the fence about, that im not sure if people really need that or not, which is shared access for households.

FAQ:

1. How's the security? We use the highest standards of security, data is encrypted at rest using AES-256, read-only access to your data, using Plaid which is the industry standard, same thing you had on Plaid. I'm a senior SWE, not a vibe coder that doesn't know what he's doing.
2. How about problematic banks for auto sync, like CIBC. As mentioned above, Plaid is the industry standard, so the fault is not on the apps, CIBC protocol sucks, so every app will have the same problem.
3. What's the trick with the free tier ? There's no trick, I'm not selling any data, users that use free tier are usually not heavy load users, it's not a big deal for me to maintain that and the feedback is valuable, the goal is always to eventually convert these users into paid users.

I track basically everything financially but I still feel like I’m stuck in the same place. like I have the data but it’s not translating into better decisions which is frustrating.

I built Zynex because I'm its target user. My money was scattered across multiple bank accounts and cards, and I never had one clear picture of where I actually stood.

So I built the app I wanted: one place that pulls all your accounts, cash and assets into a single clear picture, and uses AI to make logging effortless. You just speak a transaction out loud, snap a receipt, or type a quick note — and AI turns it into a clean entry in seconds. No forms.

It's the app I now reach for every day myself.

Zynex is live on Google Play, landing page here: https://zynex.finance/ — I'd genuinely love your feedback on the idea or the flow.

Like everyone else, “I wanted to build a tool that does X so I did”. Here were my requirements: no accounts, no App Store (for now), and I wanted to see every possible lever.

My tool focuses on future cash flow, retirement, net worth, taxes, and goal setting.

Features:
- Compare state taxes
- Plan for: retirement, children, college funds, yearly vacations, estate estimates
- When can I buy a house?
- Should I do standardized or itemized deductions?

Why use YAPFT? It’s open source and free. No account needed, no billing, nothing.

Enter your parameters and see what sort of life you could have in +2yrs, when the kids go college, or if you decide to move to Texas in 10 years.

Why “Free for now”?
Open source tools still cost money to host, run, develop, support. But the core engines, those are always free and you can audit the code anytime.

At this stage, I’m looking for feedback and stress tests.

Please note: YAPFT is not tax advice. It is a simulation and planning tool. Always consult a professional.

I wanted a simple overview of my subscriptions. So I tried the popular tracker apps, and every single one had the same first step: "Connect your bank account."

Hand my banking credentials to a startup so it can... read a list I already know? No thanks.

So I built SubTrack — a subscription tracker that works the old-fashioned way: you type in your subscriptions yourself. Takes about 2 minutes for most people, and in exchange:

• No bank connection, ever. There's literally nothing sensitive to leak.
• No selling your transaction data to "trusted partners."
• No "we noticed you shop at..." creepiness.

What you get:

• Total monthly + yearly spend, updated live
• "Next payment: Netflix, $15.49, in 3 days" — always visible
• Email reminder days before a renewal so you can cancel in time
• A "pause" state for subscriptions you're on the fence about
• Step-by-step cancel guides for 45+ services

It's free, no credit card. I'm a solo dev and I'm looking for testers — especially people who can tell me where the manual-entry approach gets annoying, because that's the trade-off I chose.

https://subtrack.profidesigner.eu

Would you trade 2 minutes of typing for never connecting your bank to a random app? Genuinely curious where Reddit lands on this.

Does anyone else have no idea what to actually do with their student loans?

I had 6 loans across different rates and genuinely didn't know which one to pay first, how much interest I was losing every day, or when I'd actually be done paying them off.

So I built Zerova to answer those questions with my actual numbers. It told me I was losing $2.34 every single day in interest and that I should attack my 4.53% loan first before anything else.

What it does:

- Shows your real debt-free date based on what you're actually paying

- Tracks exactly how much interest is building every day on each loan

- Tells you which loan to target first and why, based on your actual rates and balances

- Compares Avalanche vs Snowball strategies with your real numbers

- Handles $0 payment situations correctly for people in forbearance or deferment

- Saves your payment schedule so you don't have to manually update every time you log in

- AI-powered weekly summary emailed every Sunday

Works for federal and private loans. 14-day free trial, then $7/month or $60/year if you find it useful.

zerova.org

Happy to answer questions about how it works or what I built it with.

I put together EasyTools.ca, a collection of free calculators aimed at Canadian specific numbers that a lot of generic calculator sites get wrong or don't cover (CPP/EI deductions, provincial tax brackets, mortgage stress test, etc).

It's not trying to be flashy, just quick and accurate tools for stuff I kept needing to calculate myself and couldn't find a solid Canadian version of. 42 calculators so far covering mortgages, pay and income, and taxes.