Now Available in Canada 🇨🇦

Stop guessing
where your
money went.

Connect your Canadian banks and chat with your finances. We calculate your True Balance after rent and bills.

User
User
User
User

Trusted by 10,000+ Canadians

Financial clarity
without the spreadsheet.

Most banking apps just show you a balance. ChatFi shows you the truth.

The 'True Balance'

We automatically subtract your upcoming Rent, Rogers bill, and Mortgage to show you what's actually safe to spend.

Chat with Data

Ask questions like 'How much did I spend at LCBO?' or 'Can I afford these tickets?' in plain English.

Canadian Security

Bank-level encryption. We use read-only access, meaning we can never move or touch your money.

It takes 2 minutes to
stop stressing.

1

Connect your banks

Securely link RBC, TD, Scotiabank, or Amex via Plaid.

2

AI Analysis

Our system detects your recurring bills (Hydro, Internet, Rent) instantly.

3

Chat & Plan

Ask the AI where your money is going and set a "Safe to Spend" goal.

I noticed you spent $240 on 'Entertainment' this weekend. That's 20% higher than usual.

Me

Oof. Was that mostly the Raptors tickets?

Yes, Ticketmaster was $185.00. You have $45 left in your fun budget for the week.

Frequently Asked Questions

Is my data safe?
Yes. We use Plaid to connect to your bank. We have read-only access, meaning we cannot move money, make transfers, or change settings. Your credentials are never stored on our servers.
Which banks do you support?
We support the 'Big 5' (RBC, TD, Scotiabank, BMO, CIBC) as well as most Credit Unions, Wealthsimple, Questrade, and Amex Canada.
Is there a free tier?
ChatFi is currently in Beta and is 100% free for early users. We plan to introduce a premium tier for advanced tax planning later.
Can it track cash spending?
Currently, we only track digital transactions connected to your bank accounts and credit cards.

Ready to find your surplus?

Join thousands of Canadians taking control of their financial journey today.