Connect your accounts and Boreal shows what changed, what’s recurring, and where your cash flow is heading — without budgets, spreadsheets, or manual sorting.
June 2026 insight
Jun 1 – Jun 30, 2026
Boreal noticed
Recurring costs increased by $43 this month.
Groceries came in 34% higher this month, with most of the change tied to two larger weekend shops.
No credit card required. Includes 7 days of Pro, then switches to Free automatically.
Boreal cannot move money or make transactions.
Boreal does not receive or store your online banking password.
Disconnect accounts and delete your data anytime.
Connect accounts from RBC, TD, Scotiabank, BMO, CIBC, Desjardins, Tangerine, and more through Plaid. US accounts are supported too.
Boreal replaces financial busywork with plain-language understanding.
Instead of building manual budgets
Boreal explains what changed automatically.
Instead of sorting every transaction
Boreal categorizes and summarizes activity for you.
Instead of reading charts yourself
Boreal turns your spending and cash flow into plain-language insights.
Instead of checking every account separately
Boreal brings connected accounts into one clearer picture.
Instead of guessing what is coming
Boreal helps project upcoming cash flow.
Get your first financial snapshot the moment you connect an account — then Boreal keeps summarizing what changes every month, so understanding your money never turns into more work.
See the spending changes that actually moved your month, not just a long list of transactions.
Boreal projects your income, spending, and what is left at the end of the month, so you can see where you will land before it happens.
Catch the subscriptions, price changes, and unusual swings that are easy to miss in a busy month.
Balances, transactions, and the context around them stay in one place, so you can understand the whole picture faster.
Just an email to start. No credit card required.
Bank-grade encryption via Plaid. Read-only — Boreal can never move your money.
Your dashboard and first insights are ready the moment you connect.
Boreal summarizes what changed each month, so understanding your money never becomes a chore.
Here's what Boreal can and can't do with your connected accounts.
Boreal can view the financial data needed to generate insights, but it cannot move money or make transactions.
Boreal does not receive or store your online banking password.
You can disconnect accounts and delete your Boreal account and associated data.
Brian AdairFounder of Boreal
I've spent nearly a decade building software, working across full-stack systems, financial data, automation, and user-focused products. I started Boreal because I wanted a better way to understand my own finances without turning money management into a second job.
Create your account free - every new account starts with 7 days of full Pro access. Keep the essentials free forever, or upgrade to Pro to keep the full picture.
For people who want simple tracking.
or $90/year — save $18
For people who want the full picture.
Every account starts with 7 days of full Pro access. No credit card to start. If you upgrade later, your data and history stay exactly where they are.
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.
No. That's the whole point of Boreal. You never build a budget, set spending limits, or sort transactions. It all happens automatically the moment you connect your accounts. Boreal reads your activity for you and tells you what's worth knowing, in words, not just numbers.
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.
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. Support is provided through Plaid, and not every product or account type from a given institution is guaranteed to be available.
Boreal connects every Canadian bank account in one place — your bank's app only shows accounts at that bank. And unlike Mint, Boreal is built specifically for Canadian banking, dollars, and spending patterns. The real difference is the AI: you get your first financial snapshot right after connecting, then a plain-language summary each month of what changed and what's worth a closer look — so you never have to interpret the charts yourself.
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.
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.
Create a free account, connect your accounts securely through Plaid, and get your first Boreal financial snapshot.
No credit card required. Includes 7 days of Pro, then switches to Free automatically.
