LEDGER · CAD/USD/EUR + 7
A real ledger for households who like the numbers.
Multi-currency, multi-account, signed at the row. Import a CSV, preview the diff, commit when it's right.
No bank feedsHMAC-signed rowsOpen import formats
NET WORTH · APR 2026+2.4% MoM
CAD$184,210.55
USD$42,180.00
EUR€6,420.18
Display only — no FX conversion applied.
INTEGRITY
Tamper-evident by default.
Every transaction is HMAC-signed; the integrity dashboard surfaces any row that no longer verifies.
MULTI-CURRENCY
Ten currencies, never silently FX'd.
CAD, USD, EUR, GBP, AUD, JPY, CNY, INR, CHF, SGD. Reports total per currency; FX rates are sourced (ECB / BoC / manual).
CANADIAN-AWARE
TFSA, RRSP, FHSA, RESP — first-class.
Twenty account types including registered (TFSA/RRSP/FHSA/RESP/RDSP/LIRA/RRIF), GIC, mortgage, LOC, joint, and manual assets — with CRA contribution-room tracking.
Preview-then-commit imports.
CSV with bank presets, plus QIF and QFX/OFX. Diff view shows what will be created, updated, or skipped.
+ NEWLoblaws · Groceries-$84.21 CAD
~ UPDATEHydro Quebec · Utilities-$112.40 CAD
! DUPETim Hortons · (skipped)-$6.55 CAD
+ NEWPayroll · Income+$2,840.00 CAD
Diff (4)Commit
Cashflow, Spending, Net Worth, Merchants.
Filter by date and account. Per-currency totals, no silent FX.
SPENDING · LAST 12W
CC UTILIZATION · 62%$3,124 / $5,000
Budgets that roll over.
Weekly, monthly, quarterly, or annual caps per category. Carry a leftover — or an overspend — into the next period, and reuse a set of caps as a template.
Credit-card rewards, end-to-end.
Per-merchant rate rules with monthly caps. Lifetime earned vs. redeemed available at a glance. Redeem as a statement credit or deposit to chequing.
Investments with real ACB.
Track holdings by lot, record dispositions and dividends, watch average cost basis update automatically. Manual prices — no broker scraping.
Debt payoff, projected.
Avalanche or snowball strategy with month-by-month projections. Sees the linked credit account’s live APR and minimum payment.
Statements + reconciliation.
Snapshots each closing cycle automatically. Pay full / minimum / custom from any same-currency account. Lock posted rows to a verified balance.
30-day forecast + balance calendar.
Projects scheduled recurring, GIC interest, and credit-card minimums to give you a heads-up on next month’s balance. Per-day EOD heatmap on every account.
See what subscriptions cost.
Every recurring charge normalised to a true monthly and yearly total — plus detection of regular charges you haven’t tracked yet.
Auto-categorize, retroactively.
Toggleable rules with a dry-run preview before they touch existing rows.
Recurring + signed shortcuts.
Schedule bills; fire one-tap transactions from a throttled, HMAC-signed URL.
Goals you can actually fund.
Tag-driven or account-linked progress. See current vs. target, days remaining, and which transactions counted.
Reconcile, then lock.
Balance-check against a statement; locked rows reject routine edits and live behind a password-confirm override flow.
Passkeys, 2FA, SSO.
WebAuthn passkeys, TOTP, and Google / Keycloak via Socialite.
Attachments where they belong.
Per-transaction, per-account, per-goal — searchable.
Honest about scope.
WHAT YOU'LL SEE
Apr 04Costco Wholesaleverified-$214.80 CAD
sig: 9f3a…c102 · audit log: ✓
WHAT IT ISN'T
- — No bank-feed scraping
- — No automatic FX conversion
- — No marketing pixels
- — No AI categorization (rules only)
IS MY DATA SAFE?
Every row is HMAC-signed. Audit trails on Categories, Imports, Goals, Rules, Tags. Integrity dashboard at /settings/integrity.
WHICH IMPORTS WORK?
CSV (with bank presets), QIF, and QFX/OFX. Always preview before commit.
WHAT'S TIER-GATED?
Goals are on the base tier. Debts and Investments features sit behind paid tiers.