Pilot Wealth | Navigate Your Financial Future in Canada

Your money's co-pilot.

Proudly Canadian.

Budgets, goals, and net worth for Canadians, with an AI coach that actually knows your numbers. Start free, no credit card required.

CB

★★★★★ Free forever, no credit card required.

We never see your bank credentials
Connections are read-only. Continuously scanned for vulnerabilities, zero open critical or high findings.
xAI-powered guidance
Ask about spending, income, savings, and goals with answers grounded in your Pilot Wealth data.
Built for Canada
TFSA, RRSP, FHSA, Canadian banks, and local financial habits are part of the product language.
Set up in minutes
Add your accounts by hand, set your first budget, and see your net worth the same day you sign up.
Encrypted at rest and in transit
256-bit AES encryption throughout, with access tokens secured using Fernet key encryption.
Free forever, no credit card
Unlimited transaction tracking, budgeting, and savings goals, with no time limits.
Built by a Canadian, for Canadians
We're early, we're growing, and your feedback directly shapes the product.
You're in good company

See what people are saying about us

★★★★★

“Before Pilot Wealth, my spending habits were out of control. Since using it, I've been able to clean up my finances completely. The UI is great, and it's a positive addition for anyone that wants to get in control of their financial future.”

CB
Chanse B.
IT Support · Vancouver, BC
★★★★★

“Pilot Wealth is a really good budgeting website because it makes managing money simple and clear. It automatically tracks your spending, so you can easily see where your money goes without extra effort. … It’s easy to use, helpful, and a great tool for improving your money habits.”

Verified Pilot Wealth user
Student · Calgary, AB

Built by a Canadian, for Canadians.

We’re early, we’re growing, and your feedback directly shapes the product.

Everything your money needs, in one place.

Budgeting, goals, net worth, subscriptions, learning, and xAI-powered guidance.

Net Worth↑ 8.3%
$197,171
TFSA$22.4k
RRSP$18.7k
FHSA$8.0k
xAI Money CoachLive
Where did most of my money go this month?
Dining $430 (86% of budget), Groceries $312. Want 3 ways to cut back?
Zero-Based Budget1 over
Groceries68%
Dining108%
Transport45%
Shopping82%
Smart CategorizationAuto
LoblawsJul 24Groceries
Tim HortonsJul 23Dining
UberJul 22Transport
NetflixJul 20Subscriptions
Recurring Payments1 unused
NetflixMonthly$15.99
SpotifyMonthly$11.99
Gym MembershipUnused 60 days$49.00
$76.98/mo total · cancel unused in one tap
Automatic Bank SyncPaused
RBCRBC Royal BankChequing · 4 accountsBack soon
TDTD Canada TrustSavings · TFSABack soon
SCScotiabankCredit card · 4127Back soon
Manual tracking available now · automatic sync coming back soon
Savings Goals3 active
House Down Payment60%
Emergency Fund72%
Europe Trip37%
Retirement Projection35 yrs
$1.85M
projected at retirement
Stock & ETF Tracking+4.8%
VEQT142 units+2.1%
XEQT88 units+3.4%
Shopify12 shares-1.2%
Pilot ScoreGrade B
Budgeting A Saving B Debt A
Pilot Learn62%
4
Zero-Based Budgeting · Lesson 3 of 4
Your Data, ProtectedSecure
We never see your bank credentials.
256-bit AES Fernet encrypted Read-only via Plaid

Choose your Pilot Wealth plan

Start free. Upgrade when deeper AI guidance and advanced planning matter.

FREE FOREVER
Free
Core tools for getting organized
$0/mo
  • ✓ Unlimited transaction tracking
  • ✓ Smart budget management
  • ✓ Up to 3 recurring subscriptions
  • ✓ Multiple savings goals
  • ✓ Emergency fund builder
  • ✓ Manual transaction entry
  • ✓ Single income source tracking
No credit card required
MOST POPULAR
Pro
Automation and AI guidance for active planning
$6.99/mo
  • ✓ Everything in Free
  • ✓ Automatic bank sync via Plaid (paused — back soon)
  • ✓ Unlimited income sources
  • ✓ Real-time net worth tracking
  • ✓ xAI-powered coach: 25 messages/day
  • ✓ Investment tracking & insights
  • ✓ Retirement planning tools
  • ✓ Unlimited subscription tracking
BEST VALUE
Premium
Advanced tools for deeper financial control
$12.99/mo
  • ✓ Everything in Pro
  • ✓ Advanced stock & ETF tracking
  • ✓ Pilot Learn: 12 financial courses
  • ✓ Custom alerts & notifications
  • ✓ Elite xAI-powered coach: 100 messages/day
  • ✓ Connect up to 2 financial institutions (paused — back soon)
  • ✓ Investment holdings auto-sync (paused — back soon)

Frequently asked

Yes. Pilot Wealth uses Plaid for bank connections. We never see or store your banking credentials. All data is encrypted at rest and in transit using 256-bit AES encryption. Your access tokens are encrypted using Fernet key encryption. Automatic bank sync is temporarily paused while we finish some backend work — manual account tracking is fully available in the meantime.
Pilot Wealth connects to all major Canadian financial institutions through Plaid, including RBC, TD, Scotiabank, BMO, CIBC, and hundreds of credit unions, plus most major US banks if you have cross-border accounts. Automatic bank sync is temporarily paused — you can track any of these manually in the meantime.
Yes. The Free plan includes unlimited transaction tracking, budget management, savings goals, and more, with no time limits and no credit card required. Upgrade to Pro or Premium only when you want xAI-powered coaching or advanced features.
The AI coach is powered by xAI and has access to your actual financial data: your spending patterns, income, savings, and goals. You can ask it anything from “where did most of my money go this month?” to “am I on track to retire at 60?”
Absolutely. Cancel anytime from your Settings page. You'll keep access until the end of your billing period. No questions asked, no cancellation fees.
Pilot Wealth uses email-based sign in. Your email address is your username. If you've forgotten your password, click “Forgot password?” on the sign in screen. Still having trouble? Email us at support@pilotwealth.ca