“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.”
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
- AES-256 Encryption
- Data Hosted in Canada
- Read-only Access
- PIPEDA & Law 25 Compliant
- Built in Canada
Features
Everything you need. Nothing you don't.
Calm, clear, and built for how Canadians actually manage money.
Spending — May
$1,847Groceries
32%
Dining
18%
Transit
12%
Subscriptions
8%
Other
30%
Loblaws
$87.42
Today
Tim Hortons
$4.85
Today
Presto
$156.00
Yesterday
Savings Goals
TFSA
TD
contribution room
$18,500
RRSP
RBC
contribution room
$42,300
FHSA
Scotiabank
contribution room
$8,000
RESP
BMO
contribution room
$12,150
62%TFSA
Budget Health
Groceries78%
On track
Dining94%
Near limit
Shopping45%
On track
Transit60%
On track
Available in English & French
EN
"Finally know where your money goes."
TFSA · RRSP · FHSA
🇨🇦 PIPEDA compliant
FR
"Votre argent. En entier. Enfin clair."
CELI · REER · CELIAPP
🇨🇦 Conforme Loi 25
Connected Accounts
TD
RBC
BMO
Scotia
CIBC
Nat'l
+ 250 more institutions
Track
Track every dollar, automatically.
Connect all your Canadian accounts in minutes. Owó-mi categorizes every transaction and shows you exactly where your money is going.
Get started freeAll Accounts · May 2026
G
Loblaws
Groceries
−$87.42
T
Presto Card
Transit
−$156.00
I
Payroll — May
Income
+$3,125.00
S
Netflix
Subscriptions
−$18.99
D
Tim Hortons
Dining
−$4.85
Save
Hit your Canadian savings goals.
RRSP, TFSA, FHSA, RESP — know your contribution room, set targets, and watch your progress in real time.
Get started freeRegistered Accounts
TFSATax-Free Savings
$18,500
Target: $30,00062%
RRSPRetirement Savings
$42,300
Target: $50,00085%
FHSAFirst Home Savings
$8,000
Target: $40,00020%
Budget
Budget without the stress.
Set monthly budgets for any category. Owó-mi flags overspend before it happens, so there are no more end-of-month surprises.
Get started freeMay Budgets
On trackGroceries$468 / $600
Dining$188 / $200
Shopping$135 / $300
Entertainment$42 / $100
Transit$156 / $200
Real Canadians
Used by Canadians from coast to coast.
From Halifax to Victoria, Owó-mi helps real people see their money clearly.
“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.”
“Finally — a budgeting app that understands TFSAs and RRSPs.”
“Clean, fast, and actually Canadian. Love it.”
“Switched from a spreadsheet. Never going back.”
“The French support is genuinely excellent. Not an afterthought.”
“Knows the difference between a TFSA and an RRSP. Finally.”
“My finances went from chaotic to crystal clear in one weekend.”
“Simple, private, and works beautifully on mobile.”
“The budget alerts are a game-changer. Caught overspend twice already.”
“Data hosted in Canada matters to me. Owó-mi gets it.”
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