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Compare Personal, Portfolio, Dividends, Business and evolving Planning capabilities.
Explore →Product feature guide
A clear view of what Cashflow Pilot can do.
Explore Personal, Portfolio, Dividends, Business and Planning in one place, including setup, evidence and release limitations.
Capability matrix
Find the workflow you need.
“Built in” describes features available in the product, but not every institution, statement format or tax situation is supported. “Optional” requires additional setup or permission.
| Capability | Availability | Details |
|---|---|---|
| Supported statement imports | Built in | CSV, PDF and OFX import paths depend on statement formats and extraction quality. |
| Pending review, categorization and rules | Built in | Merchant cleanup, rule diagnostics, duplicate review and corrections. |
| Transfer matching & statement reconciliation | Built in | Match internal transfers and compare imported statement activity with expected balances. |
| Category funding & monthly targets | Built in | Funding amounts, rollover and sinking-fund style budgeting. |
| Upcoming bills & subscriptions | Built in | Recurring expenses, payment planning and management. |
| Cash-flow forecasts | Built in | Project known and recurring income/expenses over upcoming periods. |
| Goals & debts | Built in | Track savings goals and liabilities. |
| Income over time & spending analysis | Built in | Charts, reports and monthly comparisons. |
| Configurable Home widgets | Built in | Choose and rearrange widgets across the supported interface. |
| Holdings across accounts | Built in | Market values, currencies, ownership and portfolio aggregation. |
| Account / owner history | Built in | Daily account and owner-level value history where available. |
| FX conversion and history | Built in | CAD display with supported currency conversion and history. |
| Wealthsimple & Dividend Pilot imports | Built in | Supported existing import paths; available fields vary by source. |
| Sun Life external integration | Optional | Requires external extension workflow and correct account setup. |
| Manual holding and cash updates | Built in | Update holdings and cash balances manually when an import does not include everything. |
| Double-entry ledger & financial statements | Built in | Chart of accounts, journals, balance sheet and income reporting. |
| Bank/card review & reconciliation | Built in | Pending/posted flows, fiscal locks and reconciliation checks. |
| Invoices & receivables | Built in | Customers, products, invoices and accounts receivable workflows. |
| Bills & payables | Built in | Suppliers, bills, payments and payable activity. |
| Canadian payroll & year-end workpapers | Built in | Supported province/year calculation rules; verify against current CRA requirements. |
| Fixed assets, GST/HST & accountant exports | Built in | Supported register, tax workpaper and accountant adjustment workflows. |
| CAD/USD accounting controls | Built in | Reviewed year-end adjustments, currency safety checks and transfer handling. |
| Local-first storage | Built in | Core financial records are locally available, with optional Cloud Sync. |
| Optional Cloud Sync | Optional | Sign in and enable sync for supported namespaces; some sensitive fields stay local. |
| Optional bank connections | Optional | Only where the option is offered in the app. Bank and provider coverage varies, and third-party fees may apply. |
| Use Cashflow Pilot without bank connections | Built in | Add financial accounts and import supported statements without sharing bank sign-in details. |
| Backup & restore | Built in | Export and restore local data; verify backups before relying on them. |
| Newsletter consent | Optional | Separate marketing opt-in; not required for login or Cloud Sync. |
| Dividend payment calendar | Integrated; QA open | Review known ex-dividend and payment dates based on available issuer records. |
| Income analytics and forecasts | Integrated; QA open | Recorded payments, estimates, owner/account income analysis and incomplete coverage are kept distinct. |
| Income goals and holding details | Integrated; QA open | Reuse supported Portfolio holdings; full historical completeness and broker reconciliation remain in progress. |
| Canadian FIRE and retirement scenarios | Evolving; acceptance open | Supported FireCA engine scenarios reuse read-only financial context where available. |
| CPP/OAS, retirement taxes and withdrawals | Validation in progress | Tax-year, pension-jurisdiction and device acceptance limits apply. Do not rely on unverified cases. |
Connections and import options may differ by bank, account, device and app version. Check the available choices in your app.
Free to use · Actively improving
Start today. Explore more as you need it.
Cashflow Pilot has no required app subscription for its current tools. Use whichever financial areas are helpful. Improvements keep coming, and you choose whether to connect a bank.
Get started
Prefer a guided workflow?
Use the help centre to import your first statement, understand Cloud Sync and learn how to back up financial records.
Personal setup
Start with accounts and transactions. Add budgets and cash-flow planning as your records become complete.
Portfolio setup
Map accounts and owners, import holdings and verify the currency and cost-basis treatment.
Business setup
Set up your company and chart of accounts before importing accounting activity.
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 →
More ways to work securely
More control without exposing your financial cloud data.
Financial Cloud Sync uses full client-side end-to-end encryption. Selective sharing uses separate encrypted keys and explicit recipient approval; it does not disclose your own recovery secret. Sharing and email-delivery options can be approval-gated or vary by deployed platform.
Encrypted Sharing & Access
Verified identities, invitations and owner-selected read-only snapshots for approved recipients. No recipient gets unrestricted account access.
Learn about sharing →Branded Business documents
Save invoice and quote PDFs from the app; prepare email drafts or use approved delivery options. Sending a document is an intentional disclosure to its recipient and delivery provider.
Invoice PDFs and email →