Free
$0forever
Get started with the essentials.
Start free- 1 linked bank account
- 3 months of transaction history
- Dashboard & transactions
- Basic monthly summary
- Keep your last AI insight
Built for Canadians
Your money, finally explained.
Boreal connects every Canadian bank account in one place, then uses AI to find the patterns, leaks, and wins you'd never spot on your own.
Free for 7 days · No credit card required · Cancel anytime.
Connects with 100+ Canadian institutions
- RBC
- TD
- Scotiabank
- BMO
- CIBC
- Tangerine
- Desjardins
- National Bank
- EQ Bank
- Simplii
Boreal speaks Canadian.
Built from the ground up for Canadian banking, Canadian dollars, and the way Canadians actually spend.
Canadian banks, natively
Every major bank, credit union, and challenger bank. No US-first workarounds.
CAD-first, always
No phantom USD conversions. Your dashboard speaks loonies, not dollars.
Built around Canadian spending
Boreal sorts your spending into categories that reflect how Canadians actually live — groceries, transit, rent, hydro, mobile, subscriptions — so the picture you see matches the life you live.
Three steps to clarity.
Sign up in 30 seconds
Just an email. No credit card.
Connect your banks securely
Bank-grade encryption via Plaid. Read-only — Boreal can never move your money.
See your money clearly
Your dashboard, insights, and goals are ready the moment you connect.
Dashboard
One dashboard for every account.
Chequing, savings, credit cards - Boreal pulls them all together so you can finally see your full cash picture in one place.
- Real-time balances
- Automatic transaction sync
- Smart auto-categorization
AI insights
Insights that actually tell you something.
Every month, Boreal's AI reads your spending and surfaces what changed, where money's leaking, and what's worth a closer look. Written in plain English.
- Monthly AI insight email
- Spending pattern detection
- Personal insights
Forecasts
See what's coming, not just what's been.
Boreal projects your cash flow forward based on how you actually spend - so you can see where you'll land at the end of the month, not just where you've been.
- Forward-looking cash flow
- Recurring expense detection
- See the impact before you spend
Goals
Goals you'll actually hit.
Set a goal - house down payment, emergency fund, debt-free date - and Boreal tracks the math automatically so you know exactly when you'll get there.
- Multiple goals at once
- Progress projections
- Automatic check-ins
Your data, protected.
Boreal is built with the same security standards as the banks it connects to.
Bank-grade encryption
AES-256 encryption everywhere your data travels and rests.
Read-only access
Boreal can see your transactions. It can never move money.
Privacy-first, PIPEDA-compliant
Your data is handled to Canadian privacy law and never sold. Ever.
Powered by Plaid — the same connection layer trusted by Wealthsimple and KOHO.
Simple, honest pricing.
Start free. Upgrade only if Pro saves you more than it costs.
Pro
$9CAD / month
or $90/year — save $18
For people who want the full picture.
Start 7-day free trial- Unlimited bank accounts
- Full transaction history
- Full AI insights — monthly deep-dive
- Forecasts
- Goals & projections
- Weekly digest emails
- Priority support
Both plans include bank-grade security and CAD-first reporting. No credit card to start. Cancel anytime. Pro auto-converts to Free if you cancel — you never lose your data.
Common questions, answered.
Is my financial data safe with Boreal?
Yes. Boreal uses AES-256 encryption on every connection and stores data with the same standards as the banks it connects to. Your bank credentials never touch our servers — they're handled by Plaid, the connection layer trusted by Wealthsimple and KOHO.
Can Boreal move money in my accounts?
No. Boreal has read-only access. It can see your transactions and balances, but it physically cannot transfer money, pay bills, or make any changes to your accounts.
Which Canadian banks are supported?
Every major Canadian bank — RBC, TD, Scotiabank, BMO, CIBC, National Bank, Desjardins — plus credit unions and challenger banks like Tangerine, EQ Bank, Simplii, KOHO, and Wealthsimple Cash. 10,000+ institutions in total.
How is Boreal different from Mint or my bank's app?
Boreal connects every Canadian bank account in one place — your bank's app only shows you accounts at that bank. And unlike Mint, Boreal is built specifically for Canadian banking, dollars, and spending patterns. The AI-generated monthly insights are the real difference: instead of charts you have to interpret, you get a written summary of what changed and what's worth a closer look.
Do I need to enter a credit card to try Pro?
No. You can start the 7-day Pro trial with just an email. If you don't add a payment method by the end of the trial, your account simply downgrades to Free — no charge, no awkward email.
What happens to my data if I cancel?
Your data stays. If you cancel Pro, your account auto-converts to the Free plan — your dashboard and history are still there. If you delete your account entirely, all your data is removed from Boreal's systems within 30 days.
Stop guessing where your money went.
Join Canadians taking back control of their finances with Boreal.
Free for 7 days · No credit card required.