Budget smarter in Canada — in CAD, with your actual bank.
WealthMode connects to your Canadian bank, tracks your spending in CAD, and helps you build budgets that fit your life — free to start, no credit card required.
No credit card required
Works with the banks Canadians actually use
Plus EQ Bank, National Bank, Desjardins, ATB Financial, and many credit unions.
Bank names and logos are trademarks of their respective owners. WealthMode is not affiliated with, endorsed by, or sponsored by any listed bank.
Heads up: native iOS and Android apps are in development and coming soon. The web app is fully mobile-responsive and works great on your phone today.
How it works
Three steps from "I should probably budget" to actually knowing where your money goes.
Connect your bank
Link TD, RBC, BMO, Scotiabank, CIBC, Tangerine, EQ Bank and more in seconds via Plaid. Read-only — always.
We categorize it
Transactions flow in automatically and get sorted — groceries, rent, gas, dining — so you can see where your CAD actually goes.
Set budgets in CAD
Build budgets around Canadian reality. No US-centric templates, no currency conversion, no guessing.
Built with Canadians in mind — not retrofitted for us
Most budgeting apps are American and you can feel it. Amounts silently default to USD, US banks are front and centre, and half the features assume a 401(k). WealthMode starts from a Canadian reality: your money, your banks, your dollars.
- Balances, budgets and reports natively in CAD
- Direct connections to Canadian banks via Plaid
- Pricing in CAD — no surprise exchange-rate spikes at renewal
- Works from St. John's to Victoria — every province, every territory
How we compare
Honest, side-by-side. We're not for everyone — but we're the most affordable way to start if you're Canadian.
| Feature | WealthMode | YNAB | Monarch |
|---|---|---|---|
| Free tier | |||
| CAD-native tracking | USD billing | USD billing | |
| Canadian bank sync | |||
| Flexible budgeting | Structured around Four Rules | ||
| Price | Free / ~$75 CAD | $99 USD (~$137 CAD) | ~$100 USD (~$138 CAD) |
| Mobile app | Coming soon |
Comparison reflects publicly available information about YNAB and Monarch Money as of April 2026; features, Canadian bank coverage, and pricing are set by each provider and can change at any time — check each company's official site for current details. CAD prices for YNAB and Monarch are approximate conversions from USD at an exchange rate of ~1.38 as of April 2026; your actual billed amount depends on the USD/CAD rate at renewal and any foreign-transaction fees from your card issuer.
Canadian-specific questions
The stuff the US-built apps never bother to answer.
Will it actually connect to my Canadian bank?+
Yes. WealthMode uses Plaid, which supports TD, RBC, BMO, Scotiabank, CIBC, Tangerine, EQ Bank, National Bank, Desjardins, ATB, and many credit unions. If your bank isn't supported automatically, you can add accounts manually and import CSVs.
Is everything in CAD?+
Yes. Balances, budgets, and reports are all tracked natively in Canadian dollars. No currency conversion, no silent USD defaults.
Do you have iOS and Android apps?+
Native iOS and Android apps are in development and coming soon. In the meantime, the web app is fully responsive and works great on mobile browsers.
Will I be billed in CAD?+
Yes — our Pro plan is priced in Canadian dollars, so your bill won't surprise you when the USD/CAD rate moves.
Is my bank data safe?+
Plaid connections are strictly read-only — WealthMode can see balances and transactions but cannot move money. Credentials are entered on your bank's own login page, never ours. All stored data is encrypted at rest with AES-256.
Does it work across all provinces?+
Yes. WealthMode works anywhere in Canada — Ontario, Quebec, BC, Alberta, the Prairies, Atlantic Canada, and the North. The banks we support cover the whole country.