One honest picture of your money.
Connect your accounts and Canopy turns them into answers — what's yours today, what's due next, where you're headed.
Free forever on Clarity · no card required
Connect your accounts. Canopy does the heavy lifting.
Track, budget, plan, and pay things off — with every number pulled from your real accounts and kept honest, daily.
Budget & the month-open
Every new month starts from what actually happened — copy it, tune it, or start blank.
30-day cash flow calendar
Paydays, bills, and the month's low point — seen weeks early, not the morning of.
Recurring & subscriptions
Every subscription found and tracked — including the ones that quietly raised their price.
Goals that hold real money
Funded by actual transfers Canopy verifies — never by wishful typing.
Debt payoff that ends
Avalanche or snowball, a real payoff date, and the interest you're escaping.
Investments & net worth
The whole picture — accounts, holdings, and how it all trends over time.
Credit health
Utilization, limits, and what actually moves your score — without the drama.
Canopy Coach
Ask anything about your money — answers come from your real numbers, not a script.
Transfers are never spending·A card payment never counts twice·"Updated this morning" — never "real time"
Your week, already mapped.
Bills land where they'll land, payday shows up before it arrives, and the low point gets flagged days early. No surprises, no overdraft mornings.
Monday: groceries hit — still on pace.
Log in, and see what's actually yours.
Every time you open Canopy, it does the math you'd rather not: your real balance, minus every bill coming before payday, minus what the budget and your goals have spoken for. What's left is free to spend — on dinner, shoes, whatever — without touching rent.
Know what's in your bank before it hits.
Canopy builds your month by itself — every subscription, card payment, and paycheck locks onto its day, and the low point gets flagged while there's still time to move.
And the things Canopy can't see? Add them yourself — cash rent, a season of daycare, anything you want on the board for a while. It all rolls into one forecast.
Goals that hold real money, not wishes.
Every goal is funded by actual transfers Canopy verifies against your accounts. If the money didn't move, the bar doesn't move — that's the deal.
Catch the quiet price hikes.
Canopy finds every subscription and bill automatically — and tells you the moment one creeps up. Keep it or cancel it, but either way: you knew.
Netflix$17.99↑ went up $2.50
Spotify Premium$11.99
Disney+$9.99
iCloud+ 200GB$2.99
Kroger−$127.38Netflix−$17.99
Shell−$41.87
Venmo — weekend mowing+$180.00
Transfer to Ally Savings−$300.00Every account. One ledger.
Checking, cards, savings — every transaction from every account lands in one clean, searchable place, auto-categorized and split-able. No more four apps and a guess.
Your whole financial life, connected in minutes.
Canopy links to 12,000+ banks, cards, and brokerages through Plaid — the same rails the big apps use. Read-only access, bank-level encryption, credentials never stored — and your data is never sold. Export or erase it anytime.
"Most money advice is written for people who already have money. Buy real estate, max everything out — that's not real life when daycare and groceries are eating a paycheck. Canopy starts where you actually are: see your whole picture, take the small steps, and let them add up."
Austin — Founder
Read the story →
Money ideas without the fear.
The Canopy Blog
Plain-English money writing — payoff math, subscription audits, and what your budget is actually telling you.
The Money Insight
One money idea, every Friday from Austin. Short, useful, never spammy.
Try Canopy Pro free for 7 days.
Every feature unlocked. Then $12.99/mo or $99 billed annually — cancel anytime, keep your data either way.
Start my next month — freeFree to start. One upgrade, no theater.
No tiers within tiers, no add-ons, no "contact sales." Two plans, both honest.
Free · the Clarity plan
- Monthly budget with the month-open
- Free to Spend & 30-day cash flow calendar
- 1 linked bank · 60 days of history
- 3 recurring charges tracked
- Spending breakdowns & net-worth basics
- Goals, notes & manual accounts
Pro · the Control plan
- Everything in Free, unlimited
- Unlimited banks & full history
- Tuned month-open suggestions
- Every recurring charge + price-hike alerts
- Debt payoff planner & Credit Health
- Investments & full net-worth tracking
- Canopy Coach + smart insights
- Monthly Money Report · CSV · priority support
Know what's safe. See what's next. Open a better month.
Two minutes to set up. Free forever on Clarity.
Start my next month — free