Give every loonie a home.

Zero-based budgeting built for Canadian banks. Plan every dollar, let transactions come to you, and see where the money actually went.

Apply for beta See it in action

Private beta · Up to 10 testers · $1/month

The Last Loonie budget for September: planned income and spending by group, with new bank transactions on the right, each suggesting a budget line. The same budget in dark mode, black with gold figures.
Best on a computer during the beta. Works on your phone.
Plan

Give every loonie a job.

Plan the month before you spend it. What's left to assign is always one number, right at the top.

Budget groups for income, giving and housing, each line showing what's planned and what's left, with a bar filling as it's spent. The budget groups in dark mode.
Sort

Transactions that practically file themselves.

They arrive from your bank with a suggested budget line. Tap it, drag them in, or file a dozen at once. Split one when it's two things.

New transactions, each with a one-tap suggestion like “+ Groceries”, and a suggested transfer between two accounts. The new transactions in dark mode.
See

See where it actually went.

Spending by category, month over month, and a heads-up when something changes.

Insights: heads-up alerts for an over-plan line, unusual spending, a refund and a price increase; spending totals by group; and six months of spending as stacked bars with the average. Insights in dark mode.

Budgeting that actually works here.

Built around Canadian banks and Canadian dollars, not a US app with Canada bolted on. EveryDollar Premium, for one, isn't sold here.

  • Canadian banks
  • CAD throughout
  • Zero-based
  • No US card needed

Your budget stays with you.

Stored on your device

Your budget lives in your browser, not on our servers.

Read-only bank access

Your bank connection runs through SimpleFIN. It can see transactions, never move money, and you can revoke it any time.

Yours to export

Download a full backup whenever you like.

Help shape it.

Beta

Up to 10 testers

$1 CAD / month

+ about $1.50/month for the bank connection, paid to SimpleFIN, not to us

Full access, a direct line to me, and a say in what gets built next. Feedback expected.

Apply for beta

I read every one and reply within a few days.

Regular price after beta · $49 CAD / year · bank connection separate

Questions

Which banks work?

Any bank SimpleFIN Bridge connects to. We've confirmed BMO so far; check yours at bridge.simplefin.org. No connection? Import CSV files from online banking instead.

Why is the bank connection separate?

SimpleFIN is the service that talks to your bank, and you subscribe to them directly — about $1.50 a month, or $15 a year. The key to your accounts stays between you and them; Last Loonie never holds it on a server.

Is there a phone app?

Not yet. Last Loonie runs in your browser and can be added to your home screen. During the beta it's best on a computer. Your budget lives on the device you use; syncing between devices is coming.

Where is my data stored?

In your browser, on your device. There's no copy of your budget on our servers. Export a full backup any time from Settings.

What does the beta include?

Everything: budgeting, bank sync, insights and backups, for $1 CAD a month while you're in the beta, plus SimpleFIN's fee. In return, I'll ask what's working and what isn't. After the beta, Last Loonie is $49 CAD a year.