“My partner and I used to argue about money constantly. With Owó-mi we can both see exactly what's going in and out — no more surprises at the end of the month.”
Built in Canada
Finally know where your money goes.
Owó-mi connects every Canadian account — chequing, TFSA, RRSP, FHSA, credit cards — and shows you what's really going on. Built in Canada. Read-only. Bank-grade security.
No credit card · Read-only · Built in Canada
Built to connect with Canada's major banks
Features
Everything you need. Nothing you don't.
Calm, clear, and built for how Canadians actually manage money.
Track
Upload a statement. See everything, instantly.
Drop in a CSV or PDF from RBC, TD, Scotiabank, BMO, CIBC, and more. Owó-mi reads every transaction and sorts it into categories automatically — no bank login required.
Get started free
Save
Turn any goal into a plan you can see.
New car, next trip, your TFSA — set a target, link an account for automatic tracking, and know exactly how much to save each month to get there.
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Budget
Know before you go over — not after.
Set a monthly limit for any category and Owó-mi flags it the moment you're close, like a heads-up when a card is $89 over budget. No more surprises at month-end.
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Connect
Every account, one clear picture.
Chequing, savings, credit cards, TFSA, RRSP, FHSA — add every Canadian account you have and see your full financial picture in one place, no matter which bank it's with.
Get started free
Real Canadians
Used by Canadians from coast to coast.
From Halifax to Victoria, Owó-mi helps real people see their money clearly.
“I never knew what my RRSP contribution room actually was. Owó-mi put it front and centre. I've put away $14,000 more than I would have otherwise.”
“Knowing my TFSA and RRSP data never leaves the country puts me at ease. Owó-mi gets what matters to Canadians.”
“I had no idea I was spending $380 a month on subscriptions. After two weeks with Owó-mi, I'd cancelled six and put the savings straight into my TFSA. Best $8 a month I spend.”
“Finally, a budgeting app that actually understands TFSAs and RRSPs instead of treating Canadian accounts like an afterthought. It feels like it was built for us.”
“The budget alerts are a total game-changer — I've caught overspending twice already before it became a real problem.”
“My partner and I used to argue about money constantly. With Owó-mi we can both see exactly what's going in and out — no more surprises at the end of the month.”
“I never knew what my RRSP contribution room actually was. Owó-mi put it front and centre. I've put away $14,000 more than I would have otherwise.”
“Knowing my TFSA and RRSP data never leaves the country puts me at ease. Owó-mi gets what matters to Canadians.”
“I had no idea I was spending $380 a month on subscriptions. After two weeks with Owó-mi, I'd cancelled six and put the savings straight into my TFSA. Best $8 a month I spend.”
“Finally, a budgeting app that actually understands TFSAs and RRSPs instead of treating Canadian accounts like an afterthought. It feels like it was built for us.”
“The budget alerts are a total game-changer — I've caught overspending twice already before it became a real problem.”
FAQ
Common questions.
🍁 Built in Canada
Your money, made simple.
Try Owó-mi free for 30 days. No card. Cancel any time.
Start tracking — it's freeNo credit card · Read-only · Cancel anytime