View full-size demo illustration 01 · Personal
Your everyday financial overview
Transactions, budgets, bills and forward-looking cash flow.
Explore every Personal feature Sample data shown to protect privacy.Free to use · Local-first · Canada-firstYour financial life.
Your financial life.
Connected.
Bring spending, investments, dividend income and Canadian business books into one local-first financial home. Explore retirement scenarios using records you already maintain.
Free to get started. No bank connection or registration required for local use.
No Cashflow Pilot subscriptionPersonal & businessPortfolio & dividendsRetirement planning evolving
Illustrative desktop preview · Fictional sample balances, not live account data.
Built for the way real finances work✓ Local-first by default✓ Statement imports, with connections where offered✓ Reviewable changes✓ Web, iPhone and iPad
Start without a subscription
Free to use. Built to grow.
Use Cashflow Pilot to understand spending, track investments and manage business records without a Cashflow Pilot subscription. New improvements keep arriving as the product evolves.
No Cashflow Pilot subscription
Explore available Cashflow Pilot workspaces without a subscription.
Always improving
New features and refinements are being developed and released regularly.
See recent improvements →Optional third-party bank connection providers may charge their own fees.
Five connected financial areas
Focus on the right part of your financial life.
Use distinct Personal, Portfolio, Dividends and Business views built around relevant shared data. Planning explores supported retirement scenarios without duplicating your account records.
View full-size demo illustration 
View full-size demo illustration 02 · Portfolio
Investments in focus
Holdings, account and owner values, history and investment income.
Explore every Portfolio feature Sample data shown to protect privacy.
View full-size demo illustration 03 · Business
Books without the clutter
Invoices, journals, reconciliation, Canadian payroll and accountant work.
Explore every Business feature Sample data shown to protect privacy.Investment income
Follow dividends across accounts.
Payment calendar, recorded income and indicative forecasts built on Portfolio holdings.
Expected distributions are not confirmed cash receipts.
04 · Dividends
Know when investment income is expected.
Explore payment timing, historical income, yields and coverage gaps, with clear evidence status.
Explore Dividend Intelligence Coverage depends on issuer and account sources.Retirement planning · Evolving
Explore decisions before you make them.
Supported Canadian FIRE scenarios can reuse your accounts, investments and spending assumptions.
Financial and device release acceptance is still in progress.
05 · Planning / FIRE
Connect today to tomorrow.
Review retirement scenarios, forecasts and drawdown choices with assumptions made clear.
Explore Planning Projections are not tax or investment advice.The Dividends and Planning panels are descriptive text, not screenshots. These illustrative dashboard previews use fictional names and amounts; the live application may differ.
Walk through the workflows
See where everything fits.
Explore Cashflow Pilot dashboards with fictional names and balances. The connected Dividends and Planning capabilities extend beyond these three visual examples.
Your first steps
Start with one useful thing.
You don’t need to set everything up at once. Pick a task and see how Cashflow Pilot can help.
Add your first statement
Bring in everyday spending and check your transactions.
Import guide →Track an investment account
Put holdings and account values in one place.
Portfolio guide →Set up your business books
Add your business and begin organizing your records.
Business guide →Designed for clarity
Powerful where it matters. Quiet everywhere else.
We’re building around real money routines rather than another crowded dashboard. Create your own arrangement of widgets and focus on the work that needs attention.
Cash flow that looks ahead
See recurring income, expected bills and projected balances—not just a month-end spending chart.
Control before automation
Import previews, corrections, rules diagnostics and review states make financial data easier to trust.
Business accounting depth
Work from bank activity to invoices, balanced journals, accountant packages and Canadian payroll workpapers.
Learn with confidence
Practical guides for the things you do most.
Whether you’re importing your first statement or reconciling business books, our growing help centre explains the workflow and its safeguards.
Your first 10 minutes
Add your first money account, bring in records and understand your dashboard. You can start without registering.
Read guide →Import & review safely
Understand supported formats, matching, duplicates and currency handling.
Read guide →Back up with confidence
Know the difference between a local backup and optional Cloud Sync.
Read guide →Built to respect choice
Your connection to your money stays yours.
Start without linking accounts. Financial data stays local unless you enable optional Cloud Sync. Banking and brokerage connections are optional, use third-party providers, and are managed separately from normal synced financial records.
Local-first
Work with records on your device and export them. Cloud Sync is a separate opt-in capability.
No forced bank login
Import supported statements yourself. If bank connections are offered in your app, you can choose to use one; coverage and any third-party fees vary.
Review sensitive workflows
Accounting locks, transaction review and backup tools encourage deliberate financial changes.
The difference matters
Local by default. Sync by choice. Back up for peace of mind.
A Cashflow account, optional financial-record synchronization, third-party bank connections and saved backup files all serve different purposes. Learn what moves between devices and what deliberately stays local.
01 Use locally02 Sign in if you wish03 Enable sync separately04 Keep an independent backup
Common questions
Before you get started.
Straight answers about the product and its limitations.
Do I have to connect a bank?
No. You can import supported bank and credit-card statements. If an optional connection is shown in your app, you can choose to set it up; not every bank or account is supported.
Can I start without registering?
Yes. You can work with local data without an account. Registration enables account-related features; Cloud Sync is optional.
Can I track investments?
Yes. The Portfolio workspace supports holdings, account values, history and owner-level views. Supported imports and optional connectors may help update data.
Does Business replace an accountant?
No. Business provides bookkeeping, review and accountant handoff tools, but you remain responsible for verifying records and tax filings with qualified professionals.
Where is my data stored?
Cashflow Pilot is local-first. Optional Cloud Sync encrypts financial records before they leave your device. You keep the recovery secret; sign-in and service metadata are handled separately.
Go deeper
Explore the workflows behind the dashboard.
Purpose-built guides, without adding complexity to the front page.
A better view of your finances starts here.
Use Cashflow Pilot locally, then add the workflows and integrations that make sense for you.
Privacy by design
Full end-to-end encryption for financial Cloud Sync.
With optional Cloud Sync, Cashflow Pilot protects financial records using end-to-end AES-256-GCM encryption. Only you hold the recovery secret; our server cannot decrypt the financial contents. Account and sign-in metadata remain separate.
Only you hold the key
Store your 43-character recovery secret somewhere secure. You will need it to unlock another device; an email sign-in code is not enough.
Independent backups matter
Save a complete backup as well. If you lose the secret, do not erase your last usable local copy before securing a backup. Without either, encrypted cloud records are unrecoverable.
Protect your recovery secret → See what the cloud database stores →
Privacy with permission
Share selected information. Keep your secret to yourself.
Cashflow Pilot is developing owner-approved encrypted sharing for spouses and accountants. Each person uses their own sign-in and recovery secret; nobody needs yours. Access is scoped, independently authorized, and may require private approval before it appears in your app.
For your spouse
Choose specific Personal transactions or Portfolio holdings to share in a read-only snapshot. Invitations alone never reveal financial records.
Understand Sharing & Access →For your accountant
Keep Personal and Portfolio private. Limited Business journal and bank-category collaboration uses independent encrypted approval; Payroll is separate and not enabled by an invitation.
Explore the accountant workflow →