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Privacy-first personal finance · Canada

See where your money actually goes.

Hunch imports transactions and balances from supported TD, RBC, BMO, Scotiabank, CIBC, Wealthsimple and Neo sessions, then turns them into budgets, net worth, goals, mortgage planning, retirement projections and cashflow reports. No middlemen, no aggregator, everything stays on your device.

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SUPPORTED INSTITUTIONS
TDRBCBMOScotiabankCIBCWealthsimpleNeo Financial
TDRBCBMOScotiabankCIBCWealthsimpleNeo Financial
TDRBCBMOScotiabankCIBCWealthsimpleNeo Financial
TDRBCBMOScotiabankCIBCWealthsimpleNeo Financial

Independent. Names and logos are used only to identify supported institutions. Don’t see your bank?

PRIVACY

Your data stays yours.
By default.

How data stays private
01
No middlemen, ever
Hunch connects directly to your bank — no Plaid, no Yodlee, no third-party service sitting between you and your account.
02
Credentials stay on your device
When you enable Keep signed in, credentials are encrypted and stored in your OS keychain — macOS Keychain, Windows Credential Manager, or Linux Secret Service. Never uploaded.
03
Fully local by default
Transactions, balances, charts and rule-based categories stay on your device. AI categorization is optional and only runs when you ask.

Clear, categorized,
local-first.

Synced transactions are sorted into clear categories across supported accounts — so the answer to “where is it going?” is always one glance away.

GroceriesDiningTransportIncome
Where it went · June$4,118
Housing & Loans$1,650
Groceries$812
Dining$486
Transport$323
Shopping$298
Utilities$264
INSIGHTS PROJECTIONS

See what today's habits become.

Hunch can project cash or net worth from your current income and spending habits. Choose 1 year, 5 years, or an age target and compare likely vs less-likely ranges. A full Canadian retirement planner — RRSP, TFSA, CPP, OAS and provincial tax — is built in for deeper modelling.

Basis
Cash or net worth
Range
Likely bands
Levers
Trim-by-category impact
$0
CAD
+$0 last 30 days
By age 65, current habits project around $1.62M.
Today
Age 65
$1.62M
$2.74M
$943K
Likely Less likely
HOW IT WORKS

Three steps. Then sync locally.

Transactions view
01
Open the desktop app
Download the desktop app and sign in to your bank directly — no middleman, no aggregator, no credentials leaving your device.
02
Scan when you choose
Run a sync from Hunch. Optional Keep signed in stores credentials in your OS keychain — never uploaded to any server.
03
See the whole picture
Categories, trends, balances and supported accounts land in one calm dashboard that is only yours.
EVERYTHING IN ONE VIEW

The full money loop, covered.

A compact workspace for tracking, analysis, planning and local control without sending bank credentials through an aggregator.

Track
Transactions, e-transfers with sender and recipient context, accounts, balances, holdings, net worth and multi-currency support.
Supported bank syncE-transfer enrichmentHoldings and allocationMulti-currency
Understand
Categories, savings rate, trends, cashflow Sankey, reports, spending alerts and optional AI answers from aggregate totals.
Spending groupsSavings rateCashflow SankeyAsk your money
Plan
Budgets with rollover and locking, income streams, manual recurring entries, recurring bills, goals, mortgage amortization and Canadian retirement projections.
Income planningSavings and debt goalsMortgage calculatorRetirement planner
Control
Local rules, tags, splits, CSV export, dark and light mode and privacy-first data handling.
Rules and splitsCustom categoriesCSV exportDark & light mode
REPORTS

The full year,
at a glance.

Per-category reports show 12 months of spending trends, top merchants and weekly breakdowns. Subscription analysis flags price changes automatically — so you always know when a bill quietly crept up. Ask your money lets you type a plain-English question and get a real answer from your own data.

Monthly trendsTop merchantsSubscription changesAsk your money
Reports view

Plan budgets, bills and goals without the spreadsheet.

Suggested budgets, income streams, subscription detection with price-change alerts, bill reminders, budget rollover and savings or debt goals all use the same local transaction history. A 30–90 day running cash-flow forecast shows upcoming bills and projected balance on one screen.

Budgets view

One clear view across supported banks.

Chequing, credit and investments from supported TD, RBC, BMO, Scotiabank, CIBC, Wealthsimple and Neo accounts — added up from your latest sync, in one calm dashboard.

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Net worth view

Your money, clearly.

Download Hunch, sign in to a supported bank, and scan your first account.

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macOS · Windows · Linux · No account required · Clear local data anytime

FAQs

The honest answers. Still curious? Reach our Canadian support team any day of the week.

No. If you enable Keep signed in, credentials are encrypted and stored in your OS keychain (macOS Keychain, Windows Credential Manager, or Linux Secret Service) — never uploaded to Hunch servers or any third party. Hunch never routes your credentials through a middleman.