MoneyLens AI connects your accounts, categorizes every transaction, and works backwards from your retirement number to what you save this month. Free for 7 days — no card required — with Canadian accounts.
At age 32, retiring at 60 with $5,000 in monthly retirement spending and $50,000 saved, the default estimate is $1,500,000 needed and $1,473 per month from today.
Link your accounts, answer a few questions about where you want to end up, and MoneyLens AI builds the plan — then keeps it current every time your money moves.
Income, expenses and net flow sit next to assets, liabilities and net worth in one view — the same statement a financial planner would build, updated automatically.
One dashboard shows live net worth, income, expenses, savings rate, spending by category and recent transactions across every account. Planning, budgeting, projections, portfolio tracking and an AI agent share the same live data, so every number agrees with every other number.
The MoneyLens AI agent has read-and-write access to your own data. Ask what you spent at a merchant last quarter, whether you can afford a $400 monthly car payment, or what your month-end balance will look like — and it can create budgets, set goals, add transactions and remember your preferences between conversations.
Instead of another chart, you get a short read on what moved this month — and the one action that matters most. Every insight drills down into the underlying transactions and can be marked read.
Your money doesn't live in one place, so MoneyLens AI doesn't either. Read-only sync with thousands of Canadian institutions — or upload statements and screenshots and never connect an account at all.
Connect 250+ Canadian banks and credit unions through Plaid with unlimited balance and transaction refreshes on paid plans. Upload receipts and invoices — AI reads totals, tax, and merchants, shows a confidence score, and lets you correct any field. Upload bank and credit card statements to extract, categorize, and reconcile transactions. Or just tell the agent: "log $80 groceries yesterday".
See side-by-side comparisons with YNAB, Monarch Money, Wealthica and Optiml — what each does well, and where MoneyLens AI goes further with an agent that acts on your money, not just reports on it.
Every other AI finance app treats Canada like a rounding error. The difference between hitting your number and missing it is often just contribution order. MoneyLens AI knows your TFSA room, your RRSP deadline, your FHSA limit, and what the CRA wants to see in April.
Switch between a personal and a business context with completely isolated data, categories and reporting — useful for freelancers, sole proprietors and incorporated owners who need GST/HST and T2125-ready records.
Day one: either upload your bank statements or connect your accounts securely and see every balance. Day two: your transactions are categorized and the first insights land. By the end of the week you have a budget built from real spending, a retirement number, and the monthly savings it takes to get there.
Bank syncing, AI document extraction, budgets with rollover and alerts, goals, proactive insights, RRSP/TFSA/FHSA room, CPP and OAS timing, Monte Carlo retirement projections, portfolio rebalancing, CRA-ready records and guided financial planning — no feature is gated behind a demo.
Bank credentials are never stored by MoneyLens. Data is encrypted at rest with AES-256-GCM, transported over TLS 1.2+, protected by row-level access rules, and multi-factor authentication is available and enforced for sensitive changes.
Three plans, all with the full AI agent and retirement planner: Private ($7/mo) keeps your bank out of it with document uploads and chat logging, Connected ($15/mo) syncs 5 bank accounts automatically, and Business ($30/mo) adds the Business & Personal switch and 10 connections. Every plan starts with a 7-day free trial — no card required.
Plan your future with MoneyLens AI — free for 7 days, no card required.