See your year. Then keep more of it.

Two promises, and we're making both now rather than springing one on you later. Free budgeting that shows you twelve months of your money in one place — and then real money back, by putting your biggest bills out to tender and getting paid by whoever wins.

The core is free forever — no card, no trial. A paid tier for advanced planning comes later, and you'll never need it.

Your annual wallet

$0

September 2025 — August 2026

Telecom$2,340

Rogers takes 100% of this category

Insurance$1,880

Intact — renews in 47 days

Groceries$9,910

Loblaws 58% · Costco 31% · other 11%

Restaurants$4,260

86 places, none above 9%

Sample numbers — yours will look nothing like this

Two phases, both promised now.

Phase one is budgeting good enough that you'd keep it even if nothing else ever arrived — plenty of people will use it exactly that way, and that's fine by us. Phase two is where your money starts going further. We're telling you about it on day one rather than after you've handed over your data.

Phase one · now

Budgeting that holds up

Connect an account and everything lands categorised — transactions, budgets, cash flow, subscriptions you forgot about, net worth. Free forever, not a trial, not a stripped-down tier.

Phase one · now

Your Annual Wallet

A full year in one view: what each category cost, which companies took it, and how much of each category a single company already owns. Most people have never seen this number.

Phase two · next

Keep more of what you spend

Your telecom bill, your insurance, the categories where one company has taken everything — press a button and we put them out to tender. Real quotes, real savings, and cash back where you already shop. You decide, and you pay nothing either way.

How this is free

Free forever — we make money when merchants compete for your business. And we make your dollars go further.

Every free finance app has a business model. Most won't tell you what theirs is until you've already handed over your data. Here's ours, before you sign up.

You gain: Better prices on bills you already pay, and cash back where you already shop. That's the point of the whole thing, not a side effect of it.
We do: Charge companies to compete. When you ask us to shop a bill and you switch, the company that won pays us. You pay nothing either way.
We do: Sell audiences, not people. A company can ask to reach households who spend heavily on telecom. They never see who you are or what you bought.
You pick: Which categories are in play. Every category is off until you turn it on. Leave them all off and the app works exactly the same.

See your year.

We're opening early access to Canadian households in batches. Leave your email and we'll tell you when it's your turn.

One email when we open your batch. Nothing else.