Know where your money is going and where it ends up
Budgeting and net worth across banks, brokerages, cards and blockchains. Built for Canada, with real tax and mortgage maths rather than rounded-off approximations.
A complete picture, not just last month's spending
Most budgeting apps are good at telling you what already happened. The interesting questions are all forward-looking.
The details other apps round off
Down payment minimums are a sliding scale
Not a flat 5%. A $700,000 home needs $45,000 down, and anything under 20% adds a mandatory insurance premium to what you borrow.
Every province, including Quebec
QPP and QPIP, the separate provincial return, the federal abatement, and Ontario's surtax and health premium. Not just the headline brackets.
Adjusted cost base done properly
Average cost across all identical property, not FIFO and not per-account. The way CRA actually calculates it.