BudgetOS — Smart Tracker

Your spending has a story. BudgetOS helps you read it — now with Capital One 360 and Discover statement imports.

Money stress is usually just missing information. BudgetOS turns the chaos of statements, bills and goals into one calm, clear picture — so you always know where your money goes.

Import a statement from Canada's major banks, watch every transaction sort itself into categories, and finally feel in control.

WHAT YOU CAN DO • Import bank statements — PDF or CSV from RBC, TD, CIBC, Scotiabank, BMO, Wealthsimple and more. Read on your device, then auto-categorized. • See your spending on a calendar — a colour-coded heatmap that surfaces your heavy days at a glance. • Set budgets that stick — a live limit per category with gentle, on-track nudges instead of guilt trips. • Plan ahead — a projected calendar maps your bills, subscriptions and expected expenses across the month. • Reach your goals — set a target and BudgetOS projects your pace, so "someday" finally gets a real date. • Stay on top of bills & subscriptions — due dates, effective monthly cost, and automatic recurring-charge detection. • Get a daily health check — spending pace, savings outlook, and which categories are under budget. • Make it yours — light, dark or automatic themes, accent colours, and a customizable home screen.

PRIVATE BY DESIGN • Statement files are parsed on your device — a file is sent to us only if you choose to send it for import help, and is deleted from our storage within 90 days. No bank logins, no third-party data brokers. • Every account is isolated with database-level security. • Passwords are encrypted and checked against known breaches. • Optional Face ID / Touch ID lock. No ads. We never sell your data.

Free to start, with everything you need to build the habit. Built in Canada.

Start budgeting smarter today.