A UK bill tracker that never connects to your bank
Canadian credit card rewards optimizer that matches every expense to the right card using cap-aware algorithms
Stage
Not given
Startup
Founded
Not given
Not given
Based in
GB
CA
Pricing model
Freemium
Freemium
Pricing
Free: £0, no card needed, up to 8 outgoings and 2 incomes. Pro Personal: £3.99 per month or £39.90 per year (7-day free trial). Pro Business: £12.99 per month or £129 per year, billed from day one.
Free Core: $0/month. Pro Automator: $7.99 CAD/month or $79.99 CAD/year (billed annually, saving 16%)
Key features
Manual bill and income entry without bank connection
Payday-to-payday view for flexible pay cycles
Savings pots and bills funds for goal tracking
Debt planner with snowball and avalanche comparisons
Email and browser reminders for due bills
Partner sharing with separate personal ledgers
Invoicing and job tracker for Pro Business
Automated bank sync via Plaid with read-only access
50+ Canadian credit cards from major issuers
Custom point valuations for Aeroplan, AMEX MR, and Scene+
Max AI strategist for conversational credit card advice
CSV exports and tax-time breakdowns
12-month spending and cap history tracking
What makes it different
Free plan requires no card and covers up to 8 bills and 2 income sources
Partner can join Pro Personal household for free
Works as a web app and can be added to phone home screen
Only optimizer built specifically for Canadian card spending caps and reward structures
100% mathematically neutral recommendations with no affiliate bias
Dynamically reallocates spending when card caps are hit
SOC2-compliant Plaid integration with zero password storage
Free tier provides full cap-aware optimization at no cost
Billify
Wallet Fit