Your money and your fitness, on the same dashboard.

Three reasons. Aggregator services cost several hundred dollars a month to run, and that lands on your subscription price. Handing your banking credentials to a third party is a risk that never fully goes away. And connections don't just break — they lose things. Anyone who's used an aggregator has had the morning where they log in and a month of transactions has silently disappeared because a resync decided those records no longer existed. Data you typed in yourself doesn't do that.

Depends how complicated your life is. With a fairly involved setup — several registered accounts, a few properties, multiple mortgages — the net worth entry runs about ten minutes a month. Budget takes longer, because reviewing and categorising transactions is real work rather than typing. Training updates itself if you use Hevy, or a minute or two per session if you're entering it by hand. Forty accounts will obviously take longer than four, and the first month is the slowest because you're setting everything up.

Yes. Download the template, paste your history into it, and the importer walks you through matching your columns and account types. Bad rows get flagged before anything is written. Years of history load in one pass. Coming from Monarch, there's a direct path for your transaction export too.

No. Both are optional, and if you don't use them you can hide the training features entirely. Hevy sync needs a Hevy Pro account because that's what their API requires. Garmin activities come in as a CSV export.

Not a native one yet. It runs in a phone browser and you can add it to your home screen, and the dashboards are built to be read on a small screen. The monthly entry grid is honestly better on a laptop — it's a wide table and it behaves like one.

No, and it never will be. Every projection, benchmark and simulation is arithmetic performed on numbers and assumptions you entered yourself, shown so you can see how it was calculated. Nothing here recommends a product, a security, or a course of action, and nobody involved is a licensed advisor.

One person in Alberta. I built it for my own tracking over several years, then rebuilt it as something other people could sign into. I keep my name off the marketing because the product should stand on its own — but support emails come to me, and the company behind it is named in the terms of service.

If you're wondering whether one person is a risk: the trackers in this category that disappeared did so because they got acquired or couldn't justify their funding, not because someone got bored. This one costs very little to run, and I use it every month myself. Your data is also exportable at any time, so you're never subscribing just to keep access to your own history.

In Canada — the database runs in the Montreal region. Payment processing goes through Lemon Squeezy, which operates internationally, but no financial history passes through them. The privacy policy names every third party involved and exactly what each one receives.

Quebec contributes to its own pension plan rather than CPP, and has its own tax filing and language requirements. Supporting it means running different retirement math and maintaining a full French version of the app, not just translating a page. Both are on the list — doing them halfway would mean showing Quebec users numbers that are quietly wrong, which is worse than saying not yet.

Not to you. Whatever you pay when you sign up is what you keep paying, for as long as your subscription stays active, no matter what new customers are charged later. If you cancel and come back, you rejoin at whatever the price is then. A failed payment isn't a cancellation — resubscribe within 30 days and your original price carries over.

Export it first — the export button doesn't disappear when your subscription lapses. If you delete your account, the underlying rows go with it.