What Canadian banks are supported?

Pilot Wealth connects to major Canadian financial institutions through Plaid, including RBC, TD, Scotiabank, BMO, CIBC, and many credit unions. Automatic bank sync is temporarily paused, so accounts can still be tracked manually in the meantime.

How does the AI financial coach work?

The AI coach is powered by xAI and can answer questions about a user's spending patterns, income, savings, and goals inside Pilot Wealth, such as where most money went this month or whether a goal is on track.

Can I cancel my subscription anytime?

Yes. Subscriptions can be cancelled anytime from the Settings page, with access continuing until the end of the billing period.

I cannot access my account. What do I do?

Pilot Wealth uses email-based sign in. If a password is forgotten, use the forgot password flow on the sign in screen or contact support.

Your money's co-pilot.

Q: Is my banking information secure?

Yes. Pilot Wealth uses Plaid for bank connections, so Pilot Wealth never sees or stores banking credentials. Data is encrypted in transit and at rest, and bank access tokens are encrypted a second time before they are stored. Automatic bank sync is temporarily paused while we finish some backend work. Manual tracking is fully available in the meantime.

Proudly Canadian.

Budgets, goals, and net worth for Canadians, with an AI coach that knows your numbers. Start free, no credit card required.

Pilot Wealth dashboard: net worth, income, spending, and zero-based budget overview

Pilot Wealth budget tracker showing category spending vs limits

Pilot Wealth transactions view with categorized spending

Pilot Wealth savings goals with progress tracking

Pilot Wealth assets and net worth breakdown

Pilot Wealth debt tracking and payoff view

Pilot Wealth AI coach breaking down spending by category

We never see your bank credentials

Connections are read-only. Continuously scanned for vulnerabilities, zero open critical or high findings.

AI-powered guidance

Ask about spending, income, savings, and goals with answers grounded in your Pilot Wealth data.

Built for Canada

Pilot Wealth builds around TFSA, RRSP, FHSA, and Canadian banks.

Set up in minutes

Add your accounts by hand, set your first budget, and see your net worth the same day you sign up.

Encrypted at rest and in transit

Encrypted in transit and at rest, with bank access tokens encrypted a second time before they are stored.

Free forever, no credit card

Unlimited transaction tracking, budgeting, and savings goals, with no time limits.

Built by a Canadian, for Canadians

We're early and still growing, and real feedback changes what gets built next.

Everything a Canadian Budgeting Tool Should Have

Pilot Wealth keeps budgeting, savings goals, net worth, subscriptions, and AI-powered guidance in one place.

Net Worth

$197,171

Up $15,111 since January

TFSA$22.4k

RRSP$18.7k

FHSA$8.0k

xAI Money Coach

How much did I spend on dining?

You've spent $540 on dining, which is $40 over your $500 budget. Most of it came from 11 delivery orders, so skipping two of them before the 30th would bring you back under.

Zero-Based Budget

Income$5,200

Left to assign$0

Groceries$312

Dining$540

Transport$135

Shopping$246

Recurring Payments

3OctNetflix$18.99

11OctSpotify$11.99

15OctRogers Internet$85.00

22OctGym membership$49.00

Your recurring payments add up to $164.98 a month.

Automatic Bank Sync

RBC Royal BankChequingPaused

TD Canada TrustTFSA savingsPaused

ScotiabankVisa ending in 4127Paused

Automatic sync is paused for now. You can track these accounts manually in the meantime.

Savings Goals

House down payment60%

$18,000 of $30,000 by June 2028

Emergency fund72%

$7,200 of $10,000 by March 2027

Europe trip37%

$1,480 of $4,000 by August 2027

Retirement Projection

$1.85M

Projected at age 65 with $800 going in each month.

Stock & ETF Tracking

VEQT142 units$6,390+2.1%

XEQT88 units$3,080+3.4%

SHOP12 shares$2,196−1.2%

Total$11,666

Pilot Score

C+ Healthy

Debt Health17/20

Emergency Resilience11/15

Investment Depth9/15

Pilot Learn

Zero-Based & Irregular IncomeBudgeting, level 2

Give Every Dollar a Job
Budgeting on Variable Income
Building a Bare-Bones Backup Budget
When the Two Systems Clash

In their own words

What users are saying

★★★★★

“Before Pilot Wealth, my spending habits were out of control. Since using it, I've been able to clean up my finances completely. The UI is great, and it's a positive addition for anyone that wants to get in control of their financial future.”

Chanse B.

IT Support, Vancouver, BC

★★★★★

“Pilot Wealth is a really good budgeting website because it makes managing money simple and clear. It automatically tracks your spending, so you can easily see where your money goes without extra effort. It’s easy to use, helpful, and a great tool for improving your money habits.”

Verified Pilot Wealth user

Student, Calgary, AB

Plans and Pricing

Start free. Upgrade when deeper AI guidance and advanced planning matter.

Free

Everything you need to get started.

$0/mo

Free forever

✓ Unlimited transaction tracking
✓ Smart budget management
✓ Up to 3 recurring subscriptions
✓ Multiple savings goals
✓ Emergency fund builder
✓ Manual transaction entry
✓ Single income source tracking

No credit card required

Pro

Automation and AI to keep you on track.

$6.99/mo

Billed monthly

✓ Everything in Free
✓ Automatic bank sync via Plaid (paused for now)
✓ Unlimited income sources
✓ Real-time net worth tracking
✓ AI-powered coach: 25 messages/day, fair-use monthly limit
✓ Investment tracking & insights
✓ Retirement planning tools
✓ Unlimited subscription tracking

Secure checkout via Stripe. Cancel anytime.

Premium

Power tools for serious money management.

$12.99/mo

Billed monthly

✓ Everything in Pro
✓ Advanced stock & ETF tracking
✓ Pilot Learn: 12 financial courses
✓ Custom alerts & notifications
✓ Elite AI-powered coach: 100 messages/day, fair-use monthly limit
✓ Connect up to 2 financial institutions (paused for now)
✓ Investment holdings auto-sync (paused for now)

Secure checkout via Stripe. Cancel anytime.

Frequently asked

Yes. Pilot Wealth uses Plaid for bank connections, so we never see or store your banking credentials. Data is encrypted in transit and at rest, and bank access tokens are encrypted a second time before they are stored. Automatic bank sync is temporarily paused while we finish some backend work. Manual tracking is fully available in the meantime.

Pilot Wealth connects to all major Canadian financial institutions through Plaid, including RBC, TD, Scotiabank, BMO, CIBC, and hundreds of credit unions. Automatic bank sync is temporarily paused, so accounts can still be tracked manually in the meantime.

Yes. The Free plan includes unlimited transaction tracking, budget management, savings goals, and more, with no time limits and no credit card required. Upgrade to Pro or Premium only when you want AI-powered coaching or advanced features.

The AI coach is powered by xAI and has access to your actual financial data: your spending patterns, income, savings, and goals.

Yes. You can cancel anytime from your Settings page, and you keep access until the end of your billing period. There are no cancellation fees.

Pilot Wealth uses email-based sign in, so your email address is your username. If you've forgotten your password, click “Forgot password?” on the sign in screen. Still having trouble? Email us at support@pilotwealth.ca