Canada · Built in Ottawa

Budget app for Canada that reads your own bank's files

Download a statement from RBC, TD, Scotiabank, BMO, CIBC, Tangerine, Wealthsimple Cash or EQ Bank and import it into Finman. Budgets, debts, net worth and a balance forecast follow from your real transactions, in CAD and any other currency you hold.

Create Free Account Supported banks
Free in open beta CSV · OFX · QFX CAD + other currencies
Statement files floating down a river channel into one notebook, drawn like a nautical chart, with a maple leaf as the compass rose
Statement files from your bank, one picture of your money.

Personal finance app for Canada

A budgeting app made in Ottawa, free during the open beta

Short answer

Finman is a budgeting web app from INNOVA CONSULT LTD. in Ottawa. You import CSV, OFX or QFX statement files from RBC, TD, Scotiabank, BMO, CIBC, Tangerine, Wealthsimple Cash or EQ Bank, keep each account in CAD or its own currency, and get budgets, debts, net worth and a forecast. Every feature is free during the open beta.

Start free, no card Plans and prices

Canadian banks

Eight Canadian banks, one import path

In online banking, open the account, download its transactions as a CSV, OFX or QFX file and import the file into the matching Finman account. Finman does not connect to these banks and never asks for your online banking password.

  • RBC Royal BankCSV · OFX · QFX
  • TD Canada TrustCSV · OFX · QFX
  • ScotiabankCSV · OFX · QFX
  • BMOCSV · OFX · QFX
  • CIBCCSV · OFX · QFX
  • TangerineCSV · OFX · QFX
  • Wealthsimple CashCSV · OFX · QFX
  • EQ BankCSV · OFX · QFX

Also supported: Revolut and Wise by file, monobank by personal API token, and manual entry for any bank. Banks change their export layouts from time to time, so on your first import from a bank compare a few rows with your statement. Step-by-step: how to import bank statement files.

How it works

From a bank file to a monthly plan

The same five steps work for a chequing account at TD, a TFSA cash balance you track by hand and a USD card. Prefer to skip the files? Budgeting without a bank login

  1. 01 →DownloadTransactions as CSV, OFX or QFX from your online banking.
  2. 02 →ImportInto the Finman account it belongs to, in that account's currency.
  3. 03 →SortCategories from description keywords; your own rules sort what is left in Other.
  4. 04 →PlanBudgets, savings goals, debts with target dates, subscriptions and net worth.
  5. 05Look aheadBalance forecast up to 90 days ahead; the AI CFO chat answers from your numbers.
How a Canadian bank statement becomes a budget and a forecast in Finman.

Included · setup · price

What you get and what it costs

Every part is described on the features page.

  • IncludedBudgets with an envelope (rollover) mode, savings goals, debts with target dates, subscription detection, an investment tracker, net worth across currencies, a balance forecast up to 90 days ahead, receipt photo reading and the AI CFO chat.
  • SetupSign up with email or Google, add your accounts, import the first statement file. Your categories improve as you save rules.
  • Price$0 during the open beta, no card. After the beta: Free $0, Pro $9 a month, Family $19 a month. What each plan includes.
  • Where it runsBrowser on Android, iPhone and desktop, installable to the home screen. Store versions for Google Play and the App Store are not published yet.

Currencies

CAD and US dollar accounts side by side

Each Finman account keeps its own currency. A US dollar account at your Canadian bank stays in USD, a Wise balance in euros stays in euros, and your chequing account stays in CAD. Totals and net worth convert to the base currency you pick, and Finman treats those converted totals as estimates that move with exchange rates; the original amounts never change.

More on how conversion works: multi-currency budgeting

Best budgeting app in Canada

Six questions to ask any budgeting app

Use them on any app you are weighing. Finman's answers are under each question. Other options: best free budgeting apps

  1. 01

    Can it read my bank?

    Check how your bank's transactions get in: a live connection, a file you download, or typing.FinmanFile import for the eight banks above, monobank by token, manual entry for any bank.

  2. 02

    Does it keep CAD and USD apart?

    A cross-border shopper or snowbird needs USD balances to stay in USD.FinmanEach account keeps its own currency; totals convert to your base currency.

  3. 03

    What does it cost after the free period?

    Look for the price after any trial and whether a card is taken up front.FinmanFree with no card during the open beta; after it Free $0, Pro $9 and Family $19 a month.

  4. 04

    Who is behind it?

    A named company you can look up is easier to hold to account.FinmanINNOVA CONSULT LTD., federal corporation 1522612-1, Ottawa. Verify on Corporations Canada.

  5. 05

    What happens to my data?

    Read where the data is stored and who else receives it.FinmanStored on Finman's own server, not sold or shared with advertisers; AI requests go to OpenAI only when you use the AI features. Details in the Privacy Policy.

  6. 06

    Does it work on my phone?

    Check whether there is a store app, a web app, or both.FinmanWeb app on Android, iPhone and desktop, installable to the home screen; store versions not published yet.

Mint alternative in Canada

Moving from Mint to Finman

Mint closed on March 23, 2024. Its bank connections cannot be carried over to any app, so every replacement connects or imports your accounts again. In Finman that means creating your accounts, importing a few months of statement files from your bank, and saving category rules once; budgets, goals and debts are then rebuilt on real numbers.

Finman vs Mint, side by side All Mint alternatives

FAQ

Questions from Canadians

Who makes Finman and how your data is treated: about Finman

Is there a free budgeting app in Canada?
Finman is free during its open beta: every feature, with no card. It is built by INNOVA CONSULT LTD. in Ottawa and imports statement files from the big Canadian banks. After the beta the Free plan stays at $0; Pro is planned at $9 a month and Family at $19 a month.
Which Canadian banks does Finman work with?
RBC Royal Bank, TD Canada Trust, Scotiabank, BMO, CIBC, Tangerine, Wealthsimple Cash and EQ Bank, through the CSV, OFX or QFX file you download from online banking. Revolut and Wise files work the same way, monobank connects with a personal API token, and manual entry works for any bank.
Does Finman connect directly to RBC, TD or my other Canadian bank?
No. Finman does not connect to Canadian banks and never asks for your online banking password. You download the statement file in online banking and import it into Finman.
Can I track CAD and USD accounts in one budget app?
Yes. Each account in Finman keeps its own currency, so a US dollar account stays in USD next to your Canadian dollar accounts. Totals and net worth convert to the base currency you choose; converted totals are estimates that move with exchange rates.
Is Finman a Canadian company?
Finman is developed by INNOVA CONSULT LTD., a federal corporation (number 1522612-1) in Ottawa, Ontario, incorporated in 2023. Its founder and director is Maksym Stepanenko.
Is there a Finman app on Google Play or the App Store?
Not yet. Finman is a web app at app.finman.money that runs in the browser on Android, iPhone and desktop and installs to the home screen. Store versions are not published yet.
What can Canadians use instead of Mint?
Mint closed on March 23, 2024. Finman covers the same job of budgets, bills, net worth and investments, built from your bank's statement files with no bank login, and is free during its open beta. Mint's bank connections cannot be carried over to any app, so every replacement connects or imports your accounts again.

Import your first Canadian bank statement

Free during the open beta, no credit card. Sign up with email or Google, download a CSV, OFX or QFX file from your bank and see the month in one picture.

Create Free Account