All Your Canadian Bank Accounts in One Dashboard

Managing money across multiple Canadian banks has always been frustrating. Most Canadians hold accounts at two or more institutions — a chequing account at TD, a savings account at EQ Bank, a credit card with RBC, maybe a TFSA at Wealthsimple. Each one has its own app, its own login, and its own way of showing your balance. Just figuring out where you stand financially means logging into three or four different apps and doing mental math.

Unified solves this problem by connecting all of your Canadian bank accounts into a single, secure dashboard. Using Open Banking technology powered by Plaid, Unified links directly to over 15,000 financial institutions across Canada — including TD, RBC, BMO, CIBC, Scotiabank, Tangerine, Simplii, Desjardins, and many more. Once connected, you get a real-time view of every account, every balance, and every transaction in one place.

But Unified goes far beyond just showing your balances. Every transaction is automatically categorized, giving you a clear breakdown of where your money goes each month. You can set spending limits for each category and track your progress in real time. Want to know how much you spent on dining out this month across all your credit cards? Unified shows you instantly — no spreadsheets, no guessing.

Net worth tracking is another feature that sets Unified apart. By aggregating all of your accounts — chequing, savings, TFSAs, RRSPs, credit cards, and lines of credit — Unified calculates your total net worth automatically. You can watch it grow over time without ever opening a spreadsheet or manually entering numbers. For Canadians who are serious about building wealth, this kind of visibility is invaluable.

Unlike American-made budgeting apps like YNAB (which charges $14.99 USD per month) or the now-discontinued Mint, Unified was designed specifically for the Canadian financial ecosystem. That means reliable connections to Canadian banks, support for Canadian account types like TFSAs and RRSPs, and a product roadmap driven by what Canadian users actually need. There is no currency conversion confusion, no workarounds for unsupported institutions, and no “coming soon to Canada” disclaimers.

Security is foundational to everything Unified does. Your bank credentials are never stored by Unified — all connections run through Plaid's SOC 2 Type II certified infrastructure. Data is encrypted with AES-256 encryption at rest and in transit. Unified has read-only access to your financial data, which means it can never move money, make payments, or modify your accounts in any way. And if you ever want to leave, you can delete your account and all associated data permanently with a single click.

The core features of Unified are completely free. Multi-bank aggregation, net worth tracking, spending analytics, transaction search, data export, and custom categories — all available at no cost. No ads, no data selling, no hidden fees. Optional premium features are available for users who want advanced analytics and budgeting tools, but the foundation of Unified will always be free.

Unified doesn't just show you where your money went — it tells you what you can safely spend right now. The Safe to Spend feature automatically calculates your real spending power by subtracting upcoming bills and budget commitments from your balance. Set budgets per category with rollover support so unspent money carries forward. Getting paid bi-weekly? Switch to pay period view and budget by paycheck instead of by month. It's budgeting that actually fits how Canadians get paid.

Hidden subscriptions are one of the biggest budget leaks. Unified automatically detects every recurring charge, adds up the total, and flags price increases you might have missed. Combined with smart category rules that learn from your corrections, you spend less time organizing and more time actually managing your money.