Features
Eight tools. One calm picture of your money.

Each one answers a question you already ask yourself. Keep scrolling — they come to you.

Safe to spend
One honest number for what is genuinely free today, after bills and savings.
The payoff plan
Your debt-free date, and the levers that pull it closer.
Scenarios
Model a baby, a car or a career break before you live it.
Sorted for you
Auto-allocated transactions

Every transaction is synced, categorised and sorted into the right expense automatically, while Poise keeps learning how you spend.

Synced daily from every account you connect
Transfers between your own accounts cancel out
Correct one and it learns the merchant for good
Filed last month
3,118
transactions filed, none by hand
LLoblawsGroceries−CA$84.20
SSpotifySubscriptions−CA$15.81
PPresto transitTransport−CA$12.00
DDeposit (PAC)Transfer, ignored+CA$625.00
Safe to spend
One honest number

Know exactly what is free to spend today, after bills, savings and everything already committed. One honest number, no mental math.

Bills due before payday are already deducted
Savings and goals are never counted as spendable
Count from cash, credit room, or both
Safe until payday
CA$3,706.84
free to spend until Aug 14
Cash on handCA$5,200
Bills before payday−CA$557
Savings and goals−CA$800
Free to spendCA$3,706
24 days until payday · CA$154 a day
The payoff plan
A date that moves closer

See your debt-free date and watch it move closer. A clear payoff order, real interest saved, and the quiet confidence of a plan that works.

Real rates per balance — purchases, cash advances and transfers
See what an extra CA$50 a month actually buys you
Smallest-first for momentum, or highest-rate to save most
Your debt-free date
Apr 2028
2 yrs 6 mo away · CA$18,432 left
Apr 2028 · paying CA$50 moreNov 2053 · minimums
Scenarios
Try the future first

Model a big life change before you live it. A new baby, a career break, a car — see where your money lands and how to be ready for it.

Set the income hit against a real salary baseline
Vary it across the period, not one flat number
Tells you the monthly buffer that makes it survivable
A new baby · 12 months
−32% income
for 12 months, and still safe
IncomeExpensesBuffer needed · CA$2,000/mo
Events
A budget for the trip

Set a daily budget for a trip or occasion and track spend day by day. Split it across everyone, so nobody is guessing who paid for what.

A daily allowance each, plus a shared pot
Overspend one day and the rest quietly re-plan
Allocate the day’s spending in a couple of taps
Trip budget
CA$8,611.11
Montenegro · 11 days · 2 people
1
2
3
4
5
6
7
8
9
10
11
JJean · CA$500MMegan · CA$500SShared · CA$200
Owed back
Nothing forgotten

Mark an expense as refundable and Poise holds it aside from your spending until the ledger balances. Upload a payslip and it contras the amount for you.

Held aside from your spending until it is repaid
Allocate a salary payment against what you are owed
Upload a payslip and it contras the amount for you
Refundable, outstanding
CA$1,240
owed back to you, tracked
OwedCA$1,240
RepaidCA$1,120
Still outstandingCA$120
The budget
It writes itself

Poise reads your last three months and drafts a realistic number for every category. It stays a draft until you approve it, then keeps adjusting as your spending changes.

Drafted from your last three months, not a blank template
Stays a draft until you approve every number
Keeps adjusting as your spending changes
Typical monthly income
IncomeCA$5,200
Housing & billsCA$1,650
GroceriesCA$620
SavingsCA$800
Left to allocateCA$1,495
The coach
Someone doing the math

Plain observations about your money, when they matter. What crept up, what you underspent, which card to reach for — no dashboards to interpret, no lectures.

Only speaks up when something is worth knowing
Ask it anything about your own numbers
No streaks, no shame, no gamified nudging
This month, in plain words
3 things
worth knowing this month
Poise
Subscriptions are up CA$42 this month — Google Cloud renewed higher. Groceries came in CA$118 under, so you are still ahead.
Can I still afford the Montenegro trip?
Poise
Yes. Booking it now leaves CA$1,190 safe before payday, and your bills are already set aside.
Ask about your money…
Receipts
Context, not guesswork

Upload a receipt and Poise transcribes every line, then matches it to the right transactions — even when one Target run is half groceries and half clothes, or one order lands as three separate charges.

One receipt can split a charge across categories
One receipt can match several transactions
Search every line item you have ever bought
Matched automatically
1 → 3
one Amazon order, three charges, reconciled
Receipt
Desk lampCA$42.10
Cable, 2mCA$18.99
BatteriesCA$7.45
TotalCA$68.54
Amazon ···2059CA$42.10
Amazon ···2059CA$18.99
Amazon ···2059CA$7.45
And the rest of it
The details that keep it honest.

Small things, but they are the difference between a budget you trust and one you abandon in March.

The budget

Drafted from your real last three months, not a blank template. It stays a draft until you approve it, then keeps itself current.

Activity

Every transaction in one feed — search by merchant, amount or line item, filter it, and make bulk edits that stick.

The coach

Plain observations when they matter — what crept up, what you underspent, which card to reach for. No dashboards to interpret.

Receipts

Upload one and Poise reads every line, then matches it to the right charges — even a Target run that is half groceries, half clothes.

Recurring

Every subscription and regular bill, with a flag the moment a price quietly creeps up on you.

Bills

Money set aside for what you know is coming, so a due date is never a surprise.

Goals

Name what you are saving toward and watch it fill. Money here is still yours, never counted as spent.

Cashflow

What is coming in and going out, month by month — with room to add freelance income you know is landing.

Household

Share one budget instead of reconciling two. Split anything, and see who paid for what.

Tags

Cut across categories — business, reimbursable, tax-deductible — and pull a total in one tap.

Security

Read-only access through Plaid, a Face ID lock on the app, and amounts you can blur when someone is looking over your shoulder.

Breathe

When the numbers feel like a lot, a quiet minute is one tap away. Money is stressful; the app should not be.

Choose your plan.

14 days free, everything unlocked. No charge until it ends.

Standard
Up to 1,000 transactions / mo
$100/yr
Unlimited accounts
Cashflow forecast
Events & trips
Savings goals
Safe-to-spend
Multiple households
Plus
Unlimited transactions
$150/yr
Start 14-day free trial
Know where you stand.

Link your accounts and let Poise do the rest. 14 days free, nothing to cancel if you walk away.

Start today