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
US
CA
Pricing model
Freemium
Freemium
Pricing
Free to start with all features unlocked; then Monthly, Yearly (billed yearly, most common option), or Lifetime (one-time payment). Prices set by Apple App Store and Google Play and vary by country.
Free Core: $0/month. Pro Automator: $7.99 CAD/month or $79.99 CAD/year (billed annually, saving 16%)
Key features
Calculates what you can safely spend today
Budgets over any period (month, fortnight, custom)
Multiple accounts, transfers, and net worth tracking
Recurring rules for rent, salary, and subscriptions
Search and filters over every transaction
CSV export of transactions
Backup and restore via Google Drive, iCloud, or file
App lock with passcode and biometrics
Supports 165 currencies and 5 languages
All data stays on device with optional backup only
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
No bank connection—you manually add transactions, so no credentials to share and nothing to categorize incorrectly
All data remains on your phone; nothing is uploaded without your permission
Shows what you can spend today as one clear number derived from remaining funds and days until payday
Free to start with all features unlocked; you choose whether to pay to continue adding transactions
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
Ledgerly
Wallet Fit