Set category budgets, track monthly spending, and see exactly where every dollar goes — all connected to your real bank accounts automatically.
Take control of your monthly spending.
01
Define a total monthly limit and allocate amounts to categories like groceries, dining, gas, entertainment, and more.
02
Connect your bank accounts and your spending is categorized and tracked in real time — no manual entry needed.
03
Visual progress bars, overspend alerts, and a spending breakdown show exactly where your money is going each month.
Designed for how you actually spend.
Set one master monthly budget, then allocate across categories. Get a warning if your category totals exceed your overall limit.
A visual breakdown of your top spending categories at a glance — see instantly where the biggest chunks are going.
Automatically detects recurring charges in your transaction history so you can see the true cost of all your subscriptions.
See how this month's spending affected your net worth — income, expenses, and debt repayment all rolled into one number.
The moment a category goes over budget, it's flagged in red. Smart alerts highlight your worst overrun so you can act fast.
Navigate back through previous months to compare spending patterns, see where habits have changed, and spot seasonal trends.
Transactions imported from your bank are automatically categorized using Bancsimple's Canadian merchant database.
See all spending in categories you haven't set a limit for — a useful signal of where you might want to add a budget next month.
Connect your bank accounts once and your budget updates automatically every time a new transaction clears.
"Most people don't overspend because they're reckless. They overspend because they can't see what's happening."
Studies consistently show that simply tracking spending reduces it. When you can see a category turning red, you naturally adjust before it's too late.
Most people intend to spend less on dining or shopping — but without a hard limit, intentions are forgotten. A budget makes the intention concrete and visible.
Small recurring charges — subscriptions, convenience fees, impulse buys — are invisible until you see them categorized. Bancsimple surfaces them automatically.
End every month knowing exactly what happened. No surprises on the credit card statement. No wondering where the money went.
Spending doesn't happen in a vacuum. Every dollar over budget is a dollar not building wealth. The budget tracker ties directly into your net worth view.
Unlike spreadsheets or other apps, Bancsimple pulls transactions directly from your accounts. Your budget updates itself — you just review.