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FinanceSimple
Clear money planning

Your money,
organized.

Track spending, net worth, investments, debts, and goals in one simple dashboard.

Educational only. No real money movement.

Net worth
$284,420
+2.4% this month
Apr 2026
Cash
$32.1k
Invest
$148k
Property
$104k
Daily Safe Spend
Know what you can spend today.
Portfolio Risk
A clear view of concentration.
Spending Breakdown
See where each dollar goes.
Goal Tracking
Watch progress month by month.
Overview

Everything in one view.

Bring spending, accounts, holdings, and plans together — no more spreadsheets across six tabs.

Spending

Categorized transactions and trends.

Portfolio

Stocks, ETFs, and crypto in one place.

Goals

Realistic timelines and monthly targets.

Debts

Balances, rates, and payoff plans.

Real Estate

Property values, equity, mortgages.

Reports

Monthly snapshots you can compare.

Spending

See where your money goes.

FinanceSimple organizes spending by category so you can understand fixed costs, flexible spending, and how much room you actually have left.

  • Daily Safe Spend
  • Spending Heatmap
  • Cash Flow Forecast
  • Subscription tracking
This month
$2,850
On track
Housing$1450
Groceries$620
Transport$320
Dining$280
Other$180
Net worth

Track your full financial picture.

From cash and investments to real estate and debts, FinanceSimple gives you one place to understand your net worth.

  • Net Worth Map
  • Asset breakdown
  • Liability tracking
  • Snapshot history
Net worth map
$284,420
Assets
$412,100
Cash$32k
Investments$148k
Real estate$232k
Liabilities
$127,680
Mortgage$118k
Credit$6.2k
Loan$3.5k
Portfolio

Review portfolio risk in plain English.

Use simple visual tools to understand concentration, diversification, and how different scenarios could affect your portfolio.

  • Risk score
  • Stress test
  • Allocation views
  • Report comparison
Portfolio risk
42 / 100
Moderate
Allocation
Stocks52%
Bonds24%
Crypto14%
Cash10%
Stress test: stocks −20%
Estimated impact: −$15,392
Planning

Plan with more clarity.

Set goals, estimate your post-tax income, and see how everyday decisions affect your monthly surplus and long-term progress.

  • Goal timeline
  • Financial health score
  • Simplified tax estimate
  • Spending challenge
Goal: emergency fund
$8,400of $15,000
On pace for Sep 2026
Health
76
Surplus
$1,240
Save rate
22%
What's different

Tools you won't find together anywhere else.

Each one is small on its own. Together they give you a much clearer picture.

Daily Safe Spend
What you can spend today without falling behind.
Post-Tax Income Estimate
A simple read on your real take-home pay.
Financial Health Score
One number that summarizes your finances.
Household Net Worth Map
Visualize assets and liabilities together.
Portfolio Stress Test
See how scenarios affect your investments.
Data Quality Checklist
Make sure your inputs are complete.
Subscription Tracker
Catch recurring charges before they add up.
Interview Demo Mode
Walk through the product with sample data.
How it works

Three steps to clarity.

01
Add your financial details
Income, accounts, holdings, debts, and goals. Use demo data to start fast.
02
Review your dashboard and reports
See net worth, spending, risk, and progress in one calm view.
03
Learn and adjust over time
Plain-English explainers help you make small, confident changes.
Learn

Learn the basics as you go.

Browse all topics
What is net worth?
Everything you own minus everything you owe — the simplest measure of where you stand.
Learn more
What is diversification?
Spreading money across different things so one bad bet doesn't wreck your plan.
Learn more
What is a cash buffer?
Money set aside for surprises, usually 3–6 months of essential expenses.
Learn more
What is post-tax income?
What actually lands in your account after tax, CPP/EI, and benefits.
Learn more
What is a savings rate?
The share of your take-home pay you keep instead of spending.
Learn more
What is portfolio concentration?
How much of your portfolio sits in one stock, sector, or country.
Learn more
Built for trust

Calm, careful, and clearly educational.

FinanceSimple is a planning tool. It does not move money or give advice.

Educational only
Designed for learning and planning, not transactions.
No real money movement
There is no trading engine and no payment rails.
Demo wallet only
Try features safely with sample data.
Private user data
You only see your own data. Always.
Backend-protected integrations
Sensitive operations stay on the server.
No investment advice
Plain-English explainers, never recommendations.

Start with a clearer view of your money.

Try FinanceSimple with demo data or create your own account to explore the dashboard.