Three methods, one app
Set limits per category, assign every dollar a job with zero-based, or split your take-home 50/30/20 between needs, wants and savings.
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See plans Budgeting
Budgeting three ways, whichever one you keep to
Pick the method that suits how you think about money rather than bending to one opinionated system. Category, zero-based or 50/30/20, all in Canadian dollars.
Available onAll plans
What you get
Rollover when you want it
Let an unspent balance carry into next month, or start clean. Optional per budget, because groceries and gifts do not behave the same way.
Savings goals beside the budget
Track a target with an optional linked account, so progress is measured against a real balance rather than an intention.
Tax counted, not ignored
Budgets are spent against totals including tax, which is the amount that actually leaves your account.
How it works
Choose a method
Start from category limits if you are unsure. Switching later keeps your history.
Set the numbers once
Your recent spending is there to size each limit against something real instead of a guess.
Spend against it
Every transaction draws down the right budget, and what is left rolls into Safe-to-Spend Today.
Built for uneven months
Most budgeting advice assumes a steady salary landing on the first of the month. A lot of Canadian households do not work that way: hourly shifts vary, some pay is biweekly, benefit payments arrive on their own schedule, and property tax or insurance lands in one lump twice a year. Budgets here sit on top of income and recurring bills that are modelled with their real frequencies, so a month with three pay periods and a month with two do not look like the same month.
Common questions
Which budgeting method should I pick?
Category limits are the easiest to sustain and a good default. Zero-based suits people who want every dollar assigned. 50/30/20 works well if you would rather set three broad splits and get on with it. You can change method later without losing history.
Are budgets available on the free plan?
Yes. Budgets, categories and savings goals are all on the free plan. The forward-looking cash-flow projection that shows how a budget plays out over coming weeks is a Pro feature.
Does a budget include sales tax?
Yes. Spending counts against a budget at the total including tax, since that is the amount that leaves your account. Each transaction still keeps its subtotal and tax separately, so reports can show either.
What happens when I go over?
Nothing is blocked. The budget shows the overage, and Safe-to-Spend Today falls to reflect it, so the effect on the rest of your month is immediate rather than a surprise at month end.
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