Free budgeting that turns your own statements into plain answers — where the money actually goes, what each merchant costs you, and how that has changed over the months and years you've been spending. Once you can see it, the companies taking it have to earn it. Spend a lot somewhere and they have every reason to reward you for staying. Spend it somewhere that hasn't earned it, and their competitors will happily make you a better offer. You win either way, which is the only way we make anything.
Free forever, no card, no trial — importing, categorising, budgets, forecasts, the lot.
Your annual spending
$0
September 2025 — August 2026
Loblaws has 58% of this — you're in their top 5% of shoppers
5% back for three months offered by Loblaws to keep you
Intact takes all of it — renews in 47 days
Rogers — no offer on the table yet
86 places, none above 9% — nobody's earned your loyalty here
Sample numbers — yours will look nothing like this
Most budgeting apps stop at the first half. Seeing the year is useful on its own — plenty of people will use WalletIQ for nothing else, and that's fine by us. But knowing that one company has quietly taken $9,910 of your year is only interesting if you can do something about it.
Import a statement or connect an account and everything lands categorised — transactions, budgets, cash flow, subscriptions you'd forgotten about. Merchants are recognised by name, so Loblaws is Loblaws and not four store numbers. Free, not a trial, not a stripped-down tier.
A full year in one view: what each category cost, which companies took it, and how much of a category a single company already owns. Most people have never seen that last number for their own money.
Being someone's best customer should be worth something. Where you spend heavily, we're building the route for that merchant to reward you for staying. Where one company has taken a category without earning it — your insurance, your phone bill — you can ask us to put it out to tender, and their competitors bid for you. You decide, and it costs you nothing either way.
Free forever — we make money when merchants compete for your business. Never by charging you for your own data.
Every free finance app has a business model. Most won't tell you what theirs is until you've already handed over your data. Here's ours, before you sign up.
We're opening early access to Canadian households in batches. Leave your email and we'll tell you when it's your turn.
One email when we open your batch. Nothing else.
Run a business? See how merchants reach households like these.