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

I'm Canadian. And for years, every budgeting app I tried treated me like an afterthought.

Mint? Gone. And when it was alive, it barely understood what a TFSA was. YNAB? $14.99 USD a month, which is more than $20 Canadian, and it has zero idea your FHSA exists. Monarch Money? Same thing. Beautiful app, built for someone in Ohio.

Here's the thing nobody talks about: Canadian personal finance is genuinely different. We have accounts that don't exist anywhere else in the world, like the TFSA, RRSP, and FHSA. Getting these right isn't a nice-to-have. It's the difference between building real wealth and leaving thousands of dollars on the table over time.

So I built Pilot Wealth.

What It Actually Does

Pilot Wealth is an AI-powered personal finance app built specifically for Canadians. You connect your bank, and it starts working. Your TFSA contribution room. Your RRSP limit. Your FHSA progress if you're saving for a home. All of it tracked properly, not bolted on as an afterthought.

The part people react to the most is the AI coach.

It's not a chatbot that gives you Wikipedia answers. It knows your actual numbers. Your actual spending. Your actual accounts. So when you ask it, "am I on track to buy a house in 3 years?" it doesn't guess. It looks at your FHSA balance, your monthly savings rate, your current expenses, and tells you something real.

The Part That Surprises People

It's free.

Not free for 7 days. Not free with a credit card on file. Free forever.

I made that decision deliberately. Money stress in Canada is real. The last thing someone in that position needs is another subscription just to understand where their money is going. So the core product, including budgeting, transaction tracking, and savings goals, is free. Always.

Pro exists for people who want more: AI coaching, automatic bank sync, and net worth tracking. It is priced in Canadian dollars, not USD.

Why I Built This

I'm not a bank. I'm not a fintech giant. I'm a solo developer who was frustrated enough to spend months building the thing I wished existed.

Canada deserves a finance app that actually understands Canada. One that knows the difference between a TFSA and an RRSP. One that knows what an FHSA is. One that gives you AI coaching based on your real financial picture, not generic advice that could apply to anyone in any country.

That app is Pilot Wealth.

Try It

If you're Canadian and you're tired of apps that treat your TFSA like a footnote, try Pilot Wealth for free.

No credit card. No trial. Just sign up and start building a clearer picture of your money. Your AI coach is waiting.