I Built a Free AI Finance App for Canadians Because Every Other App Was Built for Americans

Published May 31, 2026Updated September 18, 20263 min read

I am Canadian, and for years every budgeting app I tried treated me like an afterthought.

Mint is gone, and while it was alive it barely understood what a TFSA was. YNAB costs $14.99 USD a month, which is more than $20 Canadian, and it has no idea your FHSA exists. Monarch Money has the same problem, because it is a beautiful app built for someone in Ohio.

Canadian personal finance is genuinely different. We have accounts that exist nowhere else in the world, like the TFSA, RRSP and FHSA, and getting them right is not a nice-to-have. Over enough years it is the difference between building real wealth and leaving thousands of dollars on the table, so I built Pilot Wealth.

What it does

Pilot Wealth is an AI-powered personal finance app built specifically for Canadians. It tracks your TFSA contribution room, your RRSP limit and your FHSA progress if you are saving for a home, and treats all of them as part of your financial picture instead of an afterthought. Automatic bank sync is temporarily paused while we finish some backend work, so you enter accounts manually in the meantime.

The part people react to most is the AI coach. It does not give Wikipedia answers, because it knows your actual spending and your actual accounts. When you ask whether you are on track to buy a house in three years, it looks at your FHSA balance, your monthly savings rate and your current expenses, and gives you an answer based on them.

Financial advice is more useful when it understands the country you live in and the numbers you actually have.

Why it is free

The core product is free forever, and that is a deliberate decision. It is not a seven-day trial and it does not need a credit card on file. Money stress in Canada is real, and someone in that position does not need another subscription just to understand where their money goes, so budgeting, transaction tracking and savings goals stay free.

Pro is for people who want more. It adds AI coaching and net worth tracking, plus automatic bank sync once it is back from its temporary pause, and it is priced in Canadian dollars, not USD.

Why I built it

I am not a bank or a fintech giant. I am a solo developer who was frustrated enough to spend months building the app I wished existed, one that knows the difference between a TFSA and an RRSP and gives AI coaching based on your real financial picture instead of generic advice that could apply to anyone in any country.

The free plan in Pilot Wealth shows your real numbers.

Open Pilot Wealth

Related guides

TFSA, RRSP, and FHSA Guide for Young Canadians Why Most Budgeting Apps Are Failing Canadians Free Canadian Budgeting Apps I Would Try First in 2026

Pilot Wealth questions

Is Pilot Wealth actually free?

Yes. The core product, including budgeting, transaction tracking, and savings goals, is free forever, with no credit card and no trial period. Pro adds AI coaching, net worth tracking, and automatic bank sync once it's back from a temporary pause.

Does Pilot Wealth track TFSA, RRSP, and FHSA?

Yes. Contribution room, limits, and progress for all three are tracked as part of your actual financial picture, not bolted on as an afterthought the way most US-built apps handle them.

Is Pilot Wealth priced in Canadian dollars?

Yes. Unlike YNAB or Monarch Money, which bill in USD, Pilot Wealth's paid tier is priced in Canadian dollars.

Pilot Wealth is currently built for Canadian users. Pilot Wealth is not a financial advisor. This article is for educational purposes only and is not financial, investment, tax, or legal advice.