BudgetOS: Smart Budget Tracker

IN-DEV SOLUTIONS INC.

In-app purchases

About this app

Your spending has a story. BudgetOS helps you read it.

BudgetOS is a smart budgeting app built for Canada — track every dollar, stay ahead of your budget, and actually reach your savings goals, without spreadsheets or guesswork.

Import statements from Canada's major banks — RBC, TD, CIBC, Scotiabank, and BMO — plus Amex and Wealthsimple, parsed instantly, right on your device.

WHAT YOU CAN DO
• Track every transaction — income and expenses, sorted into clean categories
• Set monthly budgets and watch live progress bars for each category
• Import bank & credit-card statements (PDF or CSV) — parsed on your device
• Stay on top of bills and subscriptions with due-date reminders
• Set savings goals and let Smart Savings suggest how to fund them
• See your financial health at a glance with the daily Health Check
• Get spending-pace insights that project where you'll land by month-end
• Generate a clean financial report to share with an advisor

SMART, NOT COMPLICATED
BudgetOS does the math for you. The Smart Savings engine reviews your income and spending, averages your recent months, and suggests a safe amount for each goal — always keeping a buffer. The pace tracker tells you if you're on track before month-end, not after.

YOUR DATA, HANDLED RIGHT
• Statements are parsed on your device — sent to us only if you request import help, then deleted within 90 days
• Every account is isolated with database-level security
• Passwords are encrypted and checked against known breaches
• Encrypted in transit. No ads. We never sell your data.

Built in Canada, for anyone who wants a modern, genuinely helpful way to manage everyday money.

Start reading your money's story today

SUBSCRIPTIONS

BudgetOS is free to use. Statement imports, budgets, bills and goals stay set up whether or not you subscribe. Bank sync, the Money Note and Story require a paid subscription.

BudgetOS Plus — CAD $5.00 per month, or CAD $50.00 per year. Bank sync for up to 3 banks, plus the reconciliation tools.

BudgetOS Premium — CAD $10.00 per month. Unlimited bank syncs, the monthly Money Note, and Story, the AI copilot you can ask about your own numbers.

Subscriptions are billed through Google Play and renew automatically at the end of each billing period until cancelled. There is no free trial. You can cancel any time in your Google Play account settings, under Payments & subscriptions > Subscriptions; cancellation takes effect at the end of the period you have already paid for.

Terms of Service: https://budgetos.ca/terms.html
Privacy Policy: https://budgetos.ca/privacy.html

BudgetOS shows you information about your own money. It is not financial advice.

What’s new

New in 2.0

• Bank sync — connect an account at one of Canada's major banks and transactions arrive on their own. Read-only: BudgetOS can see them, never move money.
• Recurring, rebuilt — what repeats, what's due next, and what it costs over a year.
• Transfers between your own accounts are filed as transfers, not counted as spending.
• Money Note — last month written in plain English. Information, not financial advice.
• Plus and Premium subscriptions added.