Personal
Track spending, budgets, recurring bills, debts and cash-flow forecasts.
Explore →compare
Five connected financial areas. Choose where to start.
Compare Personal, Portfolio and Business in Cashflow Pilot and choose the right workspace for transactions, investments, bookkeeping and planning.
At a glance
Choose one area, then explore what related financial information can contribute. Workspaces keep their own roles.
Availability describes the product workflow, not universal support for every bank, platform, tax year or import format.
Portfolio
Monitor holdings, owner and account values, historical trends and foreign-currency positions.
Explore →Business
Handle invoices, journals, bank review, reconciliation, payroll and year-end exports.
Explore →Dividends
See dividend payment timing, income analytics and estimates from Portfolio data.
Explore →Planning / FIRE
Preview evolving Canadian retirement scenarios and financial forecasts. Release validation remains open.
Explore →Side-by-side
Where each financial record belongs.
This table compares the three record-owning areas. Dividends reads Portfolio records; Planning reads supported account and spending context without changing the originals.
| Workflow | Personal | Portfolio | Business |
|---|---|---|---|
| Transactions and spending | Primary | Limited to investment-related records | Accounting ledger |
| Budgets and recurring bills | Yes | — | Separate business cash planning |
| Forward cash-flow estimates | Personal forecasts | — | Business forecasting tools |
| Holdings and account history | — | Primary | — |
| Currency and investment pricing | For supported transactions | Primary portfolio tools | Business multi-currency accounting |
| Invoices and customer balances | — | — | Primary |
| Bank reconciliation | Statement review | — | Accounting statement reconciliation |
| Payroll and year-end workpapers | — | — | Canadian business workflows |
| Optional Cloud Sync | Account eligibility and enabled scope | Account eligibility and enabled scope | Account eligibility and enabled scope |
| Import/export and backups | Supported personal formats | Supported portfolio formats | Supported accounting formats |
A dash means the workflow belongs principally to another workspace. Some capabilities require setup, support a limited set of imports or depend on a validated release.
Learn the details
Helpful guides for your first steps.
Try each workspace with a small, verified data set first.
Ready to explore the workspace?
Start with the workspace that matches your records. You can expand later.