Every finance app tells you where your money went. Finights connects your real accounts and plots every bill, card payment and payday between now and then — so you know what's hitting your account before it happens.
You'll make it to payday. It gets tight Aug 1–7 — $84 at the lowest.
DASHED = PROJECTED · GREEN = MONEY IN · THE LOW POINT, CALLED OUTRent, insurance, subscriptions, paydays — plotted on one line, with the low point called out explicitly. No donut charts. No spending shame.
"You'll dip to $84 on the 27th" — before it happens, not after. Heads-ups for a low balance, bills coming due and price rises, and you can turn each one off.
Turn off any upcoming charge and watch your runway redraw, with the low point before and after. Goals get a projected completion date from what you actually put away.
Your runway is your balance, day by day, for the next two weeks. It's built from your connected accounts and the bills we find in your history — not a budget you have to keep up.
Paydays, rent, subscriptions, card payments on their due dates and loan payments — each one lands on the day it leaves your account.
When your balance is heading somewhere tight, you hear about it with time to do something — not the morning it happens.
Money in savings first, then cash you're holding. Your line of credit is suggested only if you turn that on, because it's the one that costs interest.
You're down to $84 around Aug 3. Moving $150 from Savings before Aug 2 would cover it.
Your opening balance, from your connected accounts
Every charge and payday we find repeating in your history, plus any you add yourself
Card and loan payments on their due dates — so a purchase is counted once, when the card is paid
Your RRSP, TFSA, FHSA, workplace pension and ordinary investments, grown to the year you stop working and drawn down until the money or the plan runs out — with the government money, the tax and the limits worked in. A projection to help you think, not a plan someone sold you.
In today's dollars, after tax — including CPP and OAS from when they start.
THE MONEY LASTS IN 82 OF EVERY 100 FUTURESFrom your own statement or an average we label as ours, with OAS reduced for years outside Canada and the Guaranteed Income Supplement for lower incomes.
Once you tell us your province: income tax on withdrawals, RRIF minimums from 72, and the OAS clawback. A TFSA comes out whole.
The plan won't assume you put more into a TFSA, RRSP or FHSA than you're allowed. What doesn't fit goes into an ordinary account, the way it really would.
Three sensible orders can differ by thousands a year. We run all three and build the plan on whichever supports the most — or on yours.
Beside the steady-return line, the same plan runs through 10,000 futures with the same average and different luck, and tells you how many of them last.
Add a spouse or common-law partner: their pensions and savings, their own retirement age, pension splitting, and a check that the money still lasts if one of you dies first.
An estimate built on assumptions the app states, not financial, tax or investment advice. What it assumes and leaves out →
Finights Plus connects your banks through Plaid, builds your live runway, and brings every account into one net worth — cash, cards, loans, property, vehicles, gold, crypto and investments, with metals, stocks and crypto priced for you — and builds a retirement plan from the accounts you actually have.
We can see balances and transactions. We can never move, hold or touch your money.
You sign in with your bank through Plaid. Your username and password never touch our servers.
Download a copy of your data anytime. Delete your account and your bank connections are severed and your data erased straight away.