See your money clearly.
Take back control.
Calmoniq is a Canadian personal-finance app for Mac and Windows. It's for students, creators, individuals, and families who want a clear picture of their money, including anyone running their own accounts and goals on irregular or self-employed income. Budget, net worth, TFSA, RRSP, FHSA and debt payoff, all in one place. No subscription, no account, no bank login. Your data lives in one encrypted file that never leaves your device.
Free in early access · Mac (Apple Silicon & Intel) and Windows 11/10 · no account needed
Everything in one place, and it's yours
Budget & net worth
Track income, expenses, debts, savings goals and net worth over time. See where every dollar goes.
TFSA · RRSP · FHSA
Contribution tracking and Canadian tax rules built in, with a tax-season summary PDF for T1 prep.
Real-estate deal analyzer
Cap rate, DSCR, cash-on-cash, stress test, land-transfer-tax estimates, and best/base/worst scenarios. Compare properties side by side.
Bank statement import
Import from RBC, TD, Scotiabank, BMO & CIBC (CSV or OFX/QFX) with automatic categorization. No bank login required.
Debt & mortgage payoff
Avalanche or snowball payoff plans, mortgage term vs. amortization, and renewal-balance projections.
Guilt-free spending
See exactly how much is safe to spend each month once your bills, savings and debt payments are covered. No more guessing.
Kept current every year
Canada changes the rules every year: new TFSA, RRSP and FHSA limits, updated tax brackets, CPP and EI rates, and mortgage stress-test changes. Calmoniq ships a free update each year so your numbers stay accurate, and the app checks for updates automatically. It's free and stays current.
See it in action
Privacy isn't a feature. It's the foundation.
Most money apps want your bank login and store your finances on their servers. Calmoniq does the opposite.
Stays on your device
Your data is a single encrypted file (AES-256). Keep it on your computer, in Dropbox/OneDrive, or on a USB drive. Your choice.
No account, works offline
There's nothing to sign into and nothing to leak. No login, no key. Calmoniq runs fully offline.
You can delete it all
No server copy exists. Delete the file and it's gone. Export to PDF or CSV anytime.
Free during early access
Calmoniq
No subscription, no account, no catch.
- Great for students, creators, individuals and families
- Works with irregular or self-employed income
- Mac & Windows
- Budget, net worth, debt payoff, TFSA/RRSP/FHSA
- Yearly Canadian tax-rule updates
- Your data stays encrypted on your device
No sign-up required
Calmoniq is in free early access. Paid plans may come later, and early users will get plenty of notice. The core stays generous.
Free during early access. If it helps you, you can support the build. Totally optional.
☕ Buy me a coffeeJoin the Calmoniq community
Get help, report bugs, request features, and share your setup with other Canadians taking control of their money. Students, creators, and families all welcome. Free to join.
💬 Join our Discord