Now in beta · 12,000+ institutions
Canopy connects your bank accounts, credit cards, loans, and investments into one living dashboard. See exactly where you stand — in real time.
Free forever on Clarity plan. No credit card required.
Net Worth
$127,450
↑ +$3,240 this month
Free to Spend
$47
per day · 9 days left
Health Score
82
/ 100Good
Budget
78%
$2,035 unallocated
Debt-Free In
48 mo
Sep 2029
Canopy calculates your Free to Spend — income minus bills and budget allocations, divided by days remaining. One number that tells you whether dinner out is smart tonight.
Income-to-spending flow charts, category breakdowns, daily trends, and AI-generated monthly summaries that tell you what changed, what improved, and what to watch.
A 30-day forward-looking view of your checking accounts. Bills, subscriptions, debt payments, and paychecks plotted on a calendar so you know if March 28th is safe before it arrives.
Cash Now
$7,479
Lowest Point
-$2,366
After Bills
$6,489
MON
23
-$207
TUE
24
Clear
WED
25
-$72
THU
26
-$205
FRI
27
-$370
SAT
28
+$2,435
SUN
29
Clear
Every loan — student, auto, mortgage, credit card — with real month-by-month amortization. Compare avalanche vs. snowball strategies side-by-side and see exactly when you'll be debt-free.
Saves 24 months and $12,400 in interest
Holdings, allocation, performance, diversification score, peer benchmarks by age group, and projected retirement income. Connected to your real brokerage accounts via Plaid.
Total Portfolio
$135.7k
+1.5%
Diversification
92/100
Low risk
Retire Income
$8.2k/mo
4% rule
How You Compare · Ages 30-34
From scattered accounts to total clarity in minutes.
Link banks, cards, loans, and brokerages through Plaid — or import manually. Takes under 2 minutes.
Budget, spending, debt, investments, and subscriptions on one dashboard with cross-domain insights.
Four AI agents analyze your data daily and surface clear, actionable recommendations based on real spending.
Start free. Upgrade when you need more.
See the basics
Take charge
Canopy uses Plaid for read-only bank connections — we never see or store your login credentials. All data is encrypted at rest and in transit. We never sell or share your data with third parties.
Most apps do one thing well. Canopy models your entire financial system — budget, debt, investments, and subscriptions — on one surface. Four AI agents analyze your finances daily and proactively surface recommendations.
No. You can use Canopy entirely with manual accounts and CSV imports. Bank linking through Plaid is optional — it just makes things faster and automatic.
Yes. Debt projections use real month-by-month amortization with actual interest accrual — not rough estimates. Strategy comparisons reflect true payment schedules.
Yes. All plans are month-to-month with self-serve cancellation. No contracts, no hidden fees, no lock-in.
The Clarity tier includes your full dashboard with net worth tracking, basic budgeting and spending charts, 2 linked accounts, recurring detection for up to 3 charges, 90 days of history, and your financial health score — free forever.
Get your arms around it. Canopy gives you the complete picture of your money — so you can make decisions with confidence.
Get Started FreeFree forever on Clarity plan. No credit card required.