One dashboard for your bank accounts, credit cards, loans, and investments. Budget, forecast, and understand your money — without the spreadsheet.
Free forever on Clarity plan. No credit card required.
Powered by Plaid · Read-only · Bank-level encryption · Credentials never stored
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 plain-English spending insights that flag how you're tracking versus last month — and what to watch before the month's out.
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.
See your Free-to-Spend, spending trends, and a daily Pulse in plain English — and ask Canopy's AI coach anything about your money.
Verified against each competitor's current pricing and feature pages. We mark where we win, where we tie, and where we're honestly behind.
Canopy | Rocket Money | Monarch | Origin | YNAB | |
|---|---|---|---|---|---|
Free plan with full dashboard | ✓ Free forever | ⚠ Limited free Premium adds bill negotiation, autopilot savings | ✗ 7-day trial, paid only after | ✗ Paid only ($1/yr promo currently) | ✗ 34-day trial, paid only after |
Pricing (paid plan) monthly + annual | $12.99/mo $99/yr | $4–12/mo (sliding tier) | $14.99/mo $99/yr | $12.99/mo $99/yr | $14.99/mo $109/yr |
30-day cash-flow forecast "Free to Spend" + forward calendar | ✓ Yes | ✗ | ⚠ Cash Flow view not a 30-day forecast | ⚠ Scenario modeling not 30-day forecast | ✗ Zero-based budget not a forecast |
Goals with monthly target calculator tells you exactly what to save per month | ✓ Auto-calculated monthly target by goal | ⚠ Autopilot savings learns habits, not target-based | ⚠ Manual monthly contribution (you set it) | — | ⚠ Targets per category, manual |
Debt payoff engine amortization + Avalanche/Snowball compare | ✓ Strategies + amortization | ✗ | ⚠ Separate calculator no in-app strategy compare | — | ⚠ Loan calculator no strategy compare |
Investment tracking + peer benchmarks by age bracket | ✓ Tracking + peer benchmarks | ⚠ Account linking no benchmarks | ⚠ Tracking no peer benchmarks | ⚠ Tracking no peer benchmarks | ✗ |
Subscription Savings Scoreboard running tally of what you've saved | ✓ Yes annual + monthly tally | ⚠ Aggregate only "$2.5B saved" across all users | ✗ Detects subs, no savings tally | — | ✗ |
| ✓ Yes · ⚠ Partial / different approach · ✗ Not supported · — Not publicly stated Sources verified May 28, 2026 against each company's pricing/feature pages. Pricing and features may change. | |||||
Start free. Upgrade when you need more.
See the basics
Take charge
From the founder
“I'm a father of three in Sparta, Tennessee. I built Canopy because I needed it — one place that shows me the whole picture, not a dozen apps that each show a slice.”
Austin Lannom · Founder
Read the full storyEverything you need to know before getting started with Canopy.
Still have questions? Get in touch
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.
Through Plaid — the same service used by Venmo, Robinhood, and thousands of other financial apps. Plaid connects read-only, meaning Canopy can see your transactions and balances but can never move money or make changes to your accounts.
Mint shut down in 2024. YNAB requires you to manually enter and categorize everything. Canopy auto-connects your accounts and models your entire financial system — budget, debt, investments, and subscriptions — on one surface, with plain-English spending insights and an AI coach you can ask anything.
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. Most users link their first account in under 2 minutes.
Under 5 minutes. Link your accounts through Plaid, confirm your income, and Canopy builds your dashboard automatically — budgets, recurring bills, net worth, and spending categories. No manual data entry required.
Canopy is web-based and fully responsive on mobile browsers. You can access your full dashboard from any device. A native iOS and Android app is on our roadmap.
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.
Stop guessing and start understanding. One dashboard, every account, total clarity.
Get Started FreeFree forever on Clarity plan. No credit card required.