Household budgeting · Built for Canada
Most budgets tell you how the month went. WiseNest lays it out day by day, so you can see the tight stretch between payday and the mortgage before you're standing in it.
Most budgeting apps are built for American households and quietly assume American accounts. WiseNest was built here, for the money a Canadian family actually deals with.
Track balances month to month and watch the trend, without pretending a registered account is just another savings account.
Child benefit, pension, part-time shifts, irregular hours. Income that varies is the normal case, not an edge case.
Bookings, expenses, and profit kept apart from the household books — so you can see the business clearly and still know the family total.
WiseNest doesn't connect to your bank, and it doesn't hold your data. You type your money in, and it syncs to a single file in your own Dropbox. We can't read it, because we never have it.
That also means no monthly fee for storage we're not paying for. Buy it once.
No dashboards for the sake of dashboards. Every part of WiseNest exists because a household needed to answer a specific question.
Set a payment date once and it appears on the calendar every month. Bills that fall on several days, or at the end of the month, are handled properly rather than averaged away.
Weekly, bi-weekly, semi-monthly or one-off. Override a single paycheque when the hours were different, without disturbing the rest of the year.
WiseNest projects your account forward through every payment and paycheque, so you can see the low point coming while there's still time to move something.
Mortgage, car, lines of credit and cards, each with its own rate and payment, projected out so you can see what an extra hundred a month actually buys you.
Track spending against the actual statement cycle, keep an eye on what's owed versus what's been charged since, and log the cash back you've earned.
Record what each account is worth and watch the trend build. Registered or not, all of it counts toward the net worth figure on the dashboard.
Bookings, expenses and profit for work on the side. Revenue counts when the money actually arrives, not when the job was quoted, so the numbers match your bank.
Add it to your home screen and it opens like an app. It keeps working with no signal, and catches up the next time you're online.
WiseNest is still being built, and while it is, it's free and open to anyone. Open it in your browser, add it to your home screen, and start with a single bill. There's no account to create.
Sync is optional. Without it, your budget stays on the device you're using.
