Your first real paycheque deserves a real plan.
A TFSA usually beats an RRSP early on, and credit history takes years to build. YourCents tells you which moves actually matter yet, and which can wait.
Start building credit history now
Canadian lenders check it for everything from an apartment to a car loan to a mortgage. One card, used lightly and paid off in full, is enough to start.
First jobA real example of what YourCents actually tells you, not a mockup.
Reads statements from every major Canadian bank & brokerage · PDF or CSV
RBC Royal Bank
TD Canada Trust
Scotiabank
BMO
CIBC
Wealthsimple
Tangerine
EQ Bank
National Bank
Questrade
DesjardinsSet up in minutes.
Clarity that lasts for years.
No spreadsheets, no manual entry. Import once and YourCents keeps everything current, securely and automatically.
Import your statements
Drop in a PDF or CSV from any Canadian bank and every transaction appears, categorized and ready. No bank logins, no linking, nothing to connect.
Hover any line to see the raw statement it came from.
Watch it organize itself
Transactions are auto-categorized, budgets fill in, and your true net worth appears, updated the moment money moves.
Tell us what matters
An optional question, what's on your mind right now, debt, retirement, investing, business, changes which guidance you see. Skip it and change it anytime.
Act on nudges built for you
Get timely, human insights, tuned to your actual situation, a category creeping over, unused FHSA room, a payoff date within reach, so you always know your next best move.
Built for wherever you are, not just one situation.
Paying off debt, running a household, running a business, or years into retirement, YourCents has real, Canadian-specific guidance for it.
An AI coach that knows your real numbers
Ask a question and get an answer grounded in your actual net worth, accounts, and goals, not generic advice. It remembers what matters to you between visits.
Three ways your money quietly leaks
High-fee mutual funds, idle cash earning nothing, and income splitting you're leaving on the table, YourCents checks for all three and tells you what to do.
Built for households, not just individuals
Partner income, workplace pensions, CPP and OAS, co-parenting after separation, survivor benefits, YourCents models the real shape of a shared financial life.
A real payoff plan for real debt
Avalanche or snowball, ordered by your actual balances and interest rates, with the payoff date that comes with it, not just a vague suggestion to pay more.
Self-employed or incorporated, taxed correctly
Freelance income, or a salary-and-dividend mix from your own corporation, both work differently than a T4 for tax and CPP, and YourCents knows how.
Log a purchase in seconds
Type a short line, snap a receipt, or forward an email, YourCents files it, categorized, and remembers the merchant for next time.
Never falls out of date between imports
Confirm a payday, a bill, or a contribution in one tap when you open the app, so your numbers stay current without ever connecting to a bank.
One place for every dollar.
Keep scrolling, the phone stays put while the app moves through budgeting, insights, and your full net worth.
Budgets that feel calm, not guilty.
A single “safe to spend” number tells you what's truly free after bills and goals. We only flag what's worth a look, the rest just quietly stays on track.
- Safe-to-spend updates live as money moves, no math required.
- Pace markers show if you're ahead or behind for the month.
- Needs, Wants & Savings sorted automatically.
Advice that pays for itself.
YourCents reads the patterns you'd miss and turns them into plain-English moves, like flagging unused FHSA room worth ~$960 in tax back before year-end.
- Spots overspending early, with a fix, not just a warning.
- Tracks TFSA, FHSA & RRSP room and deadlines for you.
- Surfaces money you can redirect toward your goals.
FHSA deadline approaching
You have $3,200 of unused FHSA room. Contributing before Dec 31 could lower your taxes by ~$960.
Transport is over budget
Fill-ups are up 34%. A Presto monthly pass would cap commuting at $156/mo.
Dining is well under control
Pacing 40% below budget, that's $200 you could send to your down-payment goal.
Your whole financial life, on one screen.
Chequing, credit, TFSA, RRSP, FHSA, every account in one place. Watch your real net worth instead of guessing across six banking apps.
- Net worth across every institution you bank with, in one number.
- Registered accounts tracked against your CRA limits.
- Update a balance in a tap, or re-import a statement anytime.
Debt, retirement, a business, a household, most apps treat every one the same. YourCents finally fits.
Not a concept, your money, on every screen.
YourCents is a full web app, not just a phone thing. The same calm clarity on your laptop as in your pocket, net worth, budgets, and insights, always in sync.
Find your Safe‑to‑Spend.
Drag the sliders to your real numbers. This is the one figure YourCents keeps front and centre, what's truly yours to spend after bills and savings are handled.
Your money's data, treated like it's ours.
YourCents is built read-only and privacy-first. We help you understand your money, we never move it, sell your data, or store your bank logins.
Bank-level encryption
256-bit AES encryption in transit and at rest. The same standard used by the institutions you already trust.
No bank logins, ever
You import statements yourself, so YourCents never asks for a bank login and can never touch, move, or withdraw a single dollar.
Never sold, ever
Your data is yours. We don't sell it, rent it, or advertise against it, our business is your subscription, full stop.
Make your money
make sense.
Whatever your situation, get guidance built for it, without a spreadsheet or a single bank login. Free to start, no card required.